Personal pricing

Start free.
Deepen when you're ready.

The core retirement analyses are free — no time limit, no credit card required. Unlock the full picture when you want it.

Free tier

$0

forever · no card required

Get started free

The core analyses, included

  • Your quarterly check-in
  • Chance of success
  • Cash flow projection
  • Net worth tracking
  • Savings trajectory
  • Income vs. expenses
  • Account balance projections
  • Federal tax and IRMAA
  • State income tax — A simplified graduated model — no local taxes, no AMT, and most state credits are not modelled.
  • Healthcare & Medicare
  • Estate planning documents checklist
  • Encrypted document vault
  • The Vitals
  • Budget vs. actual
  • Try a Change
  • Data completeness check
  • Ask about your plan — 5 questions a day on the free tier, shared with the assistant panel.
14-day free trial

Premium

$99.99

/year

billed annually — cancel your renewal anytime

Cancelling stops the next renewal and you keep access until the period you have paid for ends. We do not refund the remainder of a term.

Start free, upgrade anytime

We take a card when you start, and charge it when the 14 days are up. Cancel before then and you pay nothing.

Everything in Free, plus:

  • Monte Carlo chance of success
  • What-If analysis
  • Scenario comparisons
  • Roth conversion opportunity finder
  • Withdrawal strategy options
  • Survivor income analysis
  • Future events timeline
  • Social Security optimizer
  • Debt payoff optimizer
  • Healthcare, Medicare and long-term care modelling
  • Pension lump sum analyzer
  • Advanced cash flow
  • Tax-efficient withdrawal sequencing
  • Giving strategy and qualified charitable distributions
  • Advanced spending patterns
  • PDF export and full report

Feature comparison

Everything, side by side.

Feature
Free
Premium

Analytics pages

Cash flow projection
Net worth tracking
Federal tax and IRMAA
Healthcare & Medicare
The Vitals
Vitals over time
Account balance projections
Estate planning documents checklist
Ask about your plan5 questions a day on the free tier, shared with the assistant panel.
Chance of success
Monte Carlo chance of success
Roth conversion opportunity finder
Withdrawal strategy options
Survivor income analysis
Advanced cash flow

Planning tools

A saved scenarioOne scenario on the free tier. Additional scenarios are premium.
Try a Change
Budget vs. actual
What-If analysis
Scenario comparisons
Future events timeline
Social Security optimizer
Debt payoff optimizer
Pension lump sum analyzer
Healthcare, Medicare and long-term care modelling
Tax-efficient withdrawal sequencing
Giving strategy and qualified charitable distributions
Advanced spending patterns

Output & export

Data completeness check
Data export
PDF export and full report
Retirement plan report

Start with the free plan today.

See exactly what RetiFlo can do before you decide whether the premium tools are worth it. No pressure, no deadline.

Create your free account