Retirology
Affordable alternative to YNAB, Monarch, ProjectionLab, and Boldin. Professional FIRE planning as a one-time $19+ purchase — Roth ladders, Monte Carlo, ACA optimization, full 51-state tax. Local-only. No accounts.
Retirology launched on June 2, 2026 with 2 votes.
What it does
Professional retirement planning as a one-time $19+ purchase, not a $20-40/month subscription. Roth conversion ladders, Monte Carlo, ACA optimization, full 51-state tax across all four filing statuses, year-by-year drawdown Sankey. An affordable, privacy-first alternative to ProjectionLab, Boldin, MaxiFi, and YNAB. Runs locally on macOS, Windows, and Linux. No accounts. No telemetry.
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. 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. 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. Multi-bucket accumulation modeling — taxable, traditional,…from retirology.app
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