Retirology — FIRE planning without the subscription
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Retirology 2026 — out now
FIRE planning<br>without the subscription.
Professional-grade retirement analysis as a one-time purchase — not a $20–$40/month rental.<br>Roth conversion ladders, Monte Carlo, ACA optimization, full 51-state tax modeling.<br>Runs on your machine. No accounts. Your numbers stay yours.
Buy Retirology 2026 — $19+
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macOS · Windows · Linux
$19+ once, never again · No subscription · No accounts · No data collection · Runs offline
What it does
Everything you need to plan a serious retirement.
Most retirement calculators give you a single number. Retirology models the whole arc — accumulation through drawdown — and lets you stress-test the plan against bad markets, tax law, and your own assumptions.
Two-minute onboarding
A four-step wizard — about you, accounts, spending, strategies — gets a plan personalized in roughly two minutes. Defaults are sane, every value is editable later, and nothing locks you in.
Path to FI
Multi-bucket accumulation modeling — taxable, traditional, Roth, HSA — with per-account growth rates, employer match, HSA tax credit, and inflation-adjusted projections. Your FI target is derived from a built-in budget analyzer (category-by-category), so it reflects what you actually spend, not a guessed round number.
Drawdown plan
Year-by-year retirement simulation with income sourcing, MAGI strategy, ACA premium-subsidy optimization, SEPP 72(t), RMDs, Social Security claim ages, and full state + locality income tax for 51 states — across all four federal filing statuses (single, MFJ, head of household, MFS).
Roth conversion ladders
Four ladder modes — fill-the-bracket, ACA-cap, fixed-amount, and target-RMD — with year-by-year schedules showing conversion amounts, taxes paid, and the resulting Roth balance through your modeled retirement horizon.
Monte Carlo
Normal-distribution sampling and historical bootstrap mode pulling from a bundled 1928–2024 dataset (S&P 500, 10-yr Treasury, T-bills, CPI). Get a real success-rate distribution, not a single optimistic line.
Historical stress tests
Replay your plan against the actual sequences from 1929, 1973–74, 2000, 2008, and 2022. See exactly when a real bad market would have broken it — and by how much.
Sankey cash flow
Trace every dollar through retirement — from accounts and Social Security through Roth conversions, taxes, ACA premiums, and spending. See where the money actually goes.
Multi-scenario comparison
Save plans, then put any two side by side — different claim ages, ladder strategies, retirement years, geographies. The optimizer surfaces the meaningful differences automatically.
Alternative to
Most planning tools rent themselves to you. We don't.
If you've been comparing budgeting tools like YNAB or Monarch , paid retirement planners like ProjectionLab , Boldin (formerly NewRetirement), MaxiFi Planner , or Pralana , or you've outgrown the Personal Financial Toolbox spreadsheets — Retirology covers what most of them do (and more), at a one-time price typically less than a single year of any of their subscriptions.
Typical subscription planner
$240–$480<br>/ year, every year
$20–$40/month — paid in perpetuity
✗ Account required
✗ Your financial data on their servers
✗ Lose access if you stop paying
✗ Subject to their next price hike
Retirology 2026
One-time
$19+<br>once
$65 suggested — about a single month of an advisor
✓ No account, ever
✓ Local SQLite — your machine, your data
✓ Yours forever, runs offline
✓ Free patches; next year's version is optional
Even at the suggested $65 tier, Retirology costs less than two months of a typical subscription planner — and you keep using it after.
Privacy isn't a tagline
Your numbers stay on your machine.
Most retirement tools want you to upload your entire net worth to their servers. Retirology runs the math locally. We have nothing to leak because we have nothing to collect.
Verify it yourself.<br>Run any network monitor (Little Snitch on Mac, your firewall, Wireshark) and confirm: exactly one HTTPS GET to retirology.app/version.json per launch. Nothing else.
Read the full privacy statement
One network request. Ever.
A once-per-launch fetch of retirology.app/version.json to check for updates. It's a static file. No headers about you, no IDs, no telemetry.
Local SQLite. That's it.
Every account, every scenario, every dollar lives in one file on your disk. Back it up, encrypt it, delete it. Your call.
No accounts. No login.
There's nothing to sign up for. The app launches and works. The only thing you give us at purchase is an email — for the receipt.
No analytics, no trackers.
No Google Analytics, no Mixpanel, no Sentry, no chat widget. Not in the app. Not on this website.
Honest pricing
Pick a tier. Same product.
Retirology 2026 is a one-time purchase with a $19 floor — pick the tier that feels fair. There's just one...