Deterministic retirement planning

A Deterministic, Audit-Ready
Retirement Engine
for Financial Advisors.

Run transparent, phase-based, tax-aware retirement projections your clients can understand — without Monte Carlo guesswork.

RetireLogica — Scenario Dashboard
Client: Johnson Family
Retirement Age 65 · Horizon 30 years
Scenario A
Starting Balance
$1,240,000
Annual Withdrawal
$52,000
Tax Rate (Eff.)
18.4%
Year 1Year 30
Pre-tax · After-tax · RothFunded through year 27
The problem

Monte Carlo is opaque, random, and unexplainable.

The tools advisors rely on today create more confusion than confidence.

Black-box outputs

Clients don't trust black-box outputs.

Randomness

Engineers hate randomness.

Hard to explain

Advisors struggle to explain probability-based results.

The solution

RetireLogica is the deterministic truth model that shows the math behind the plan.

Transparent projections

Year-by-year projections with every number traceable.

Full control

Full control over every assumption — nothing hidden.

Rule-driven logic

Phase-based, tax-aware, rule-driven logic you can audit.

Everything advisors need in v1

Core features to manage clients, plus differentiators that set RetireLogica apart.

Core Features

Client Scenario Library

Organize and manage retirement scenarios for every client in one place.

Save/Load Scenarios

Instantly save, revisit, and iterate on any projection.

Multi-Scenario Comparison

Compare multiple retirement paths side-by-side to find the best fit.

Advisor Dashboard

A single command center for all your client projections and insights.

Exportable Inputs Summary

Generate clean, client-ready summaries of every input and assumption.

Differentiators

Deterministic Withdrawal Engine

Math-based withdrawals with no randomness — every number has a source.

Phase-Based Modeling

Model distinct retirement phases with different rules for each stage.

Tax-Aware Logic

Built-in tax logic that respects brackets, Roth conversions, and RMDs.

Withdrawal Ordering

Optimized account sequencing across pre-tax, Roth, and taxable accounts.

Longevity Stress Testing

Test plans against extended lifespans to find the breaking points.

Audit Trail Export

Every calculation is logged — export a full audit trail at any time.

Free to start. Powerful when you upgrade.

Try RetireLogica with basic projections, then unlock full control of every variable.

Free Tier

Adjust initial conditions only

  • Adjust starting balances
  • Adjust starting age
  • Adjust initial spending
  • Run single projection
Recommended

Paid Tier

Full control of all variables

  • Tax variables
  • Withdrawal rules
  • Phase logic
  • Growth assumptions
  • Inflation assumptions
  • Retirement age
  • Social Security timing
  • Rental income phases
  • Healthcare assumptions
  • Longevity modeling
  • Save/load scenarios
  • Client library
  • Multi-scenario comparison
  • Audit trail export

Simple, advisor-friendly pricing

One plan. All features. No surprises.

Free

$0

Forever

  • Adjust initial conditions only
  • No saving or exporting
  • No scenario comparison
Get Started
Advisor Edition

Advisor Edition

$29/mo

or $249/year (save 28%)

  • All v1 features included
  • Full variable control
  • Save, load, compare, export
  • Audit trail for compliance
Start Free Trial

Monte Carlo vs. RetireLogica

See why deterministic projections beat probability-based guesswork.

Monte Carlo

  • Opaque
  • Random
  • Hard to explain
  • Probability-based

RetireLogica

  • Deterministic
  • Transparent
  • Explainable
  • Rule-based

"Monte Carlo shows probabilities. RetireLogica shows the math."

Built for advisors who demand more

If your clients ask "why?" and you want a real answer, RetireLogica is for you.

Advisors with technical clients

Engineers, analysts, and executives who scrutinize every number.

Advisors who want transparency

Show every assumption and calculation — nothing behind a curtain.

Advisors who want a validation tool

Cross-check Monte Carlo outputs with deterministic truth.

Advisors who want to differentiate

Stand out with a planning tool clients actually understand.

Why we built RetireLogica

We built RetireLogica because Monte Carlo tools confuse clients and hide the logic. Advisors deserve a planning engine that shows the math — not a black box that outputs probabilities. Every client deserves to understand their own retirement plan.

Ready to show your clients the math?

Start with a free projection today. No credit card required. See why deterministic planning is the future.