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.
Retirology 2026 — out now
FIRE planning without the subscription.
Professional-grade retirement analysis as a one-time purchase — not a $20–$40/month rental. Roth conversion ladders, Monte Carlo, ACA optimization, full 51-state tax modeling. Runs on your machine. No accounts. Your numbers stay yours.
macOS · Windows · Linux · ~80 MB installer · Works offline
$19+ once, never again · No subscription · No accounts · No data collection · Source code public on GitHub →
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.
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.
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.
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 age 89.
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.
The math on the math tools
Most planning tools rent themselves to you. We don't.
A typical retirement-planning service charges a monthly fee that runs forever. Retirology is one purchase per major version — and the year after that is optional.
Typical subscription planner
$240–$480 / 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+ 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.
Audit the source: github.com/Retirology/Retirology-App
Build it yourself if you want to verify what's running.
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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.
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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.
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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.
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No analytics, no trackers.
No Google Analytics, no Mixpanel, no Sentry, no chat widget. Not in the app. Not on this website.
Compare: traditional planning tools charge $20–$40/month, require an account, and store your full financial picture on their servers. Retirology is a one-time $19+ purchase, runs offline, and stores nothing remotely.
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 product; the tier you choose is what you pay.
Floor
$19 one-time
The minimum. Same app, same features. Pay what you can — no judgment.
- ✓ All Retirology 2026 features
- ✓ Free patches through 2026
- ✓ Use on all your devices
Suggested
Most pick this$65 one-time
Roughly a single month of a typical advisor subscription — and you keep the software for the year.
- ✓ Everything in Floor
- ✓ Funds continued development
- ✓ Priority issue triage on GitHub
Generous
$200 one-time
For folks who want to back the project meaningfully. You can also enter a custom amount in checkout.
- ✓ Everything in Suggested
- ✓ Directly funds future features
- ✓ Our genuine thanks
Mid-year patches (e.g. 2026.1, 2026.2) are free for 2026 customers. When Retirology 2027 ships, existing customers get a discount code — or stay on 2026 indefinitely. It's yours.
Questions
Things people reasonably want to know.
What's the difference between $19 and $65?
Nothing in the software. The app and every feature are identical regardless of tier. The price you choose is what funds the next release. $19 is the floor; $65 is what we suggest if it's not a stretch; $200 is for folks who want to back the project.
Is this a subscription?
No. You buy a major version (e.g. Retirology 2026) once and own it. Patches that year are free. Next year's version is a separate product — buy it if the new features are worth it, otherwise keep using 2026 forever.
What happens to my data?
Stays on your machine in a single SQLite file. We don't see it, can't read it, and have no way to. See the privacy section or the full privacy statement for the per-OS file paths.
What happens when 2027 ships?
Retirology 2027 is a separate product — refreshed tax tables, new features, and you'd buy it if you want the upgrade. Existing 2026 customers receive a discount code. If you'd rather stay on 2026, your copy keeps working forever; nothing remote is required for it to function.
What if Retirology shuts down?
The app keeps working. There are no servers it depends on — the only network call is the once-per-launch update check, and if that fails the app just continues. Source code is public, so it can also be built and patched without us.
Mac warns me it's an unidentified developer
Right-click the app icon in Finder and choose Open, then click Open in the dialog. After that it launches normally. Windows shows a similar one-time SmartScreen prompt — click More info → Run anyway. We're working on Apple Developer ID notarization post-launch.
Why no free version?
A modest yearly price keeps the project sustainable without ads, accounts, or upsells — which is the whole point. If $19 is genuinely a problem, the source is public: clone the repo and build it yourself for $0.
Can I get a refund?
Yes. Email retirology.app@gmail.com within 14 days of purchase and we'll refund through Lemon Squeezy — see their refund policy for specifics.
Ready to run the numbers?
Download once, plan forever. macOS, Windows, Linux. No account needed.