Pricing
What's free. What's premium. What's real either way.
RetiSquare's core plan — a real Social Security and tax projection — is free, full stop. Premium adds the modeling that matters most for couples and close calls.
Built to be checked, not just trusted
Every formula in RetiSquare is inspectable — RMD tables, IRMAA brackets, how Social Security gets taxed — and where the model simplifies something, it says so, right next to the number it affects. That's the actual differentiator here, not another feature. Read the full case on Why RetiSquare, or see the exact formulas on Methodology.
| Feature | Free | Premium |
|---|---|---|
| Single-scenario retirement projection (income, balance, taxes, to age 100) | ✓ | ✓ |
| Social Security claiming-age input (full 62–70 table or single estimate) | ✓ | ✓ |
| Birth-year-based RMD start age (73 or 75, per current IRS rule) | ✓ | ✓ |
| Adjustable growth rate on taxable/cash balances | ✓ | ✓ |
| Flat state tax estimate | ✓ | ✓ |
| Balance, cashflow, and stacked tax/IRMAA charts | ✓ | ✓ |
| Plain-language notes on what the model does and doesn’t capture | ✓ | ✓ |
| "Worth a conversation with a planner" guidance | ✓ | ✓ |
| Monte Carlo simulation (a range of outcomes, not just one path) | 1 run | ✓ |
| Spousal Social Security (couple mode) | — | ✓ |
| Survival-probability horizon (real SSA life tables) | — | ✓ |
| Long-term care cost modeling | — | ✓ |
| Debt payoff modeling | — | ✓ |
| Real state-specific tax rules (13 curated states — progressive brackets or flat rate as applicable), plus no-tax and exemption states | — | ✓ |
| Capital-gains cost-basis tracking | — | ✓ |
| Peak tax year / IRMAA cliff detection | — | ✓ |
| Save and compare multiple scenarios | — | Soon |
| Export your plan as a PDF | — | Soon |
Premium launches at
$60/year
for early Beta1 members — standard price is $99/year.
What premium actually changes
If you're planning as a couple: spousal and survivor-adjacent claiming math changes which spouse should delay — free mode can't see this at all, since it only models one person.
If you're within a few years of Medicare: the peak-tax-year and IRMAA-cliff detection tells you the specific year and dollar amount a big withdrawal would trigger a Medicare surcharge — not just that surcharges exist, which the free charts already show.
If your timeline is close either way: the survival-probability horizon replaces one fixed "money lasts to age X" with real SSA life-table odds, so "does my plan hold" reflects an actual probability, not a single guess at your lifespan.
If you've held investments a long time: cost-basis tracking taxes only your actual gains on taxable withdrawals, not the full withdrawal — for anyone with meaningfully appreciated taxable accounts, this changes the tax number by a lot.
If you want to compare options side by side: save-and-compare and PDF export are coming soon — until they ship, jot down the numbers from a couple of claim-age runs to compare by hand.