RetireLogica includes Roth, Social Security, ACA MAGI, and budget planning tools, historical and life-event stress testing, projection tables, advisor dashboards, MFA-backed account recovery, and a verified article publishing workflow.
A single command center for every plan you run. See each person or household, every scenario, and every flag — all in one view. Manage just your own plans, or an entire client roster.
Create, rename, and organize people or households. Each one holds their own set of scenarios, insights, and notes.
See your top 5 portfolios ranked by terminal estate value. Quickly identify your highest-value and most at-risk plans.
Scenarios with spending shortfalls or ACA subsidy breaches are flagged automatically, so nothing slips through the cracks.
Track total people, scenarios, insights, and aggregate estate values across everything you manage.
Turn raw scenario data into structured observations. Capture what matters as you go and let the engine surface what your projections reveal.
The engine analyzes scenario summaries and automatically surfaces concerns (shortfalls, ACA breaches), outcomes (terminal estate, depletion ages), and income observations.
Record notes per plan or client with timestamps. Keep a running journal alongside your projections so context is never lost.
Insights are organized into four categories — Income, Goals, Concerns, and Outcomes — making it easy to find what you need during client conversations.
Every insight is tagged with its source — whether auto-generated from the engine or captured manually from meeting notes — so you always know the provenance.
Scenario "Conservative" shows a spending shortfall at age 89
Terminal estate of $1.8M with 2.4x multiple on initial investment
Client prefers conservative approach, wants to maximize Roth conversions before 65
Compare your current Roth conversion strategy against bracket-optimized alternatives. The optimizer runs the full federal tax model — including the Social Security torpedo, IRMAA surcharges, and capital gains stacking — to find the most tax-efficient conversion path.
Current plan vs. optimized bracket-fill, 22% bracket ceiling, and a custom bracket target — all evaluated against the same projection.
Models the Social Security torpedo (50%/85% thresholds), IRMAA surcharges with 2-year lookback, NIIT at 3.8%, and ACA MAGI caps.
Optional switch to single-filer brackets after an assumed death age to front-load conversions under the more favorable married filing jointly rates.
Tax efficiency score, IRMAA protection score, RMD reduction score, and terminal estate comparison across all strategies.
Compare Social Security claiming strategies at ages 62, 65, 67, and 70. The optimizer models the full impact on tax brackets, IRMAA thresholds, and portfolio longevity — with spousal coordination and survivor benefit analysis for married filers.
Run the full projection engine at each claiming age (62, 65, 67, 70) to see how timing affects total lifetime income, tax burden, and estate value.
Model a spouse's benefit, claiming age, and COLA independently. See the combined household impact including survivor benefits.
Automatic calculation of early filing reductions, delayed retirement credits, and pre-FRA earnings test withholding.
Breakeven age vs. claiming at 62, terminal estate comparison, and year-by-year portfolio tracking across all scenarios.
Move beyond single-growth-rate projections. Test your plan against real historical market sequences, a 1,000-scenario resilience analysis, and discrete life-event shocks — all deterministic, no Monte Carlo.
Test against the four most consequential market environments of the last 60 years — 1966 Stagflation, 2000 Lost Decade, 2008 Financial Crisis, and the 1982 Bull Market.
Stress-test against 1,000 randomized return sequences. A scenario passes only if the portfolio survives to 105, ACA caps are maintained, and spending targets are met.
Each scenario is verified: Traditional depleted by 105, no unexpected RMDs, no spending shortfalls, no ACA breaches, and Traditional depleted before RMD age.
Scale the historical sequence impact with a 0–100% equity factor. Shiller S&P 500 real total returns are applied to early retirement years, then revert to the base rate.
Layer discrete life-event shocks — long-term care, a market crash at retirement, a lost income source — over four market variants, and see a resilience score for how much of your estate survives.
The newest releases expand RetireLogica into a full planning workspace with spending design, publication tools, account security, and billing recovery.
Create itemized spending plans with recurring, one-time, and escalating line items. Model rental cash flow with Schedule E inputs and send net monthly cash flow into the retirement projection.
Publish educational articles from the site, manage drafts by owner, and protect add, edit, and delete actions with short-lived email verification codes.
Enable email-code MFA, generate recovery codes, recover account access, and restore paid access when a subscription is already active.
Inspect tax assumptions, ACA MAGI behavior, and detailed projection tables so every recommendation can be checked year by year before export.
The Dashboard, Insights, Optimizers, and Calculator form an integrated workflow for managing retirement plans — your own or your clients'.
Add yourself, a household, or clients to your dashboard. Each gets its own workspace with scenarios, insights, and notes.
Use the calculator to build and save multiple retirement scenarios for each. Compare paths side by side.
The engine auto-generates insights from scenarios. Add your own notes. Everything is organized and searchable.
Every feature is available to all Pro subscribers at no extra cost.