Personal pricing

Start free.
Deepen when you're ready.

14 analytics pages 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

14 analytics pages included

  • Cash flow projection
  • Net worth tracking
  • Savings trajectory
  • Income vs. expenses view
  • Out-of-money date estimate
  • Tax liability (year by year)
  • IRMAA liability estimate
  • Long-term care risk exposure
  • Estate planning documents checklist
  • Account balance projections
  • Average withdrawal rate
  • Housing expense % of income
  • Total debt ratio
  • Lifetime interest payments
Introductory pricing

Premium

$4.99

/month

$12.99/month — lock in before prices rise

or $49.90/year (~2 months free)

Start free, upgrade anytime

Everything in Free, plus:

  • Monte Carlo chance of success
  • Unlimited scenarios + What-If analysis
  • Plan comparisons across scenarios
  • Roth conversion opportunity finder
  • Withdrawal strategy options
  • Survivor income analysis
  • Social Security optimizer
  • Healthcare modeling (Medicare + LTC)
  • Pension lump sum analyzer
  • Tax-efficient withdrawal sequencing
  • Investment allocation optimizer
  • Debt payoff optimizer
  • Advanced spending patterns (smile curve, etc.)
  • PDF export + full report generation
  • Custom dashboard layout
  • Priority support

Feature comparison

Everything, side by side.

Feature
Free
Premium

Analytics pages

Cash flow projection
Net worth tracking
Tax liability (year by year)
IRMAA liability estimate
Long-term care risk
Out-of-money date
Account balance projections
Housing expense % of income
Monte Carlo chance of success
Roth conversion opportunity
Withdrawal strategy options
Survivor income analysis

Planning tools

Baseline scenario
Unlimited scenarios
What-If analysis
Plan comparisons
Social Security optimizer
Tax-efficient withdrawal sequencing
Advanced spending patterns

Output & export

In-app analytics
PDF export
Full report generation
Custom dashboard layout

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.

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