Retirivo
Try it free

For people planning their own retirement

A real retirement plan from six simple questions.

Answer six simple questions and see your whole retirement, year by year, in about 15 minutes. That’s the start, not the ceiling: refine with as much detail as your household needs — pensions, equity comp, rentals, Roth conversions — and pressure-test it against crashes, inflation, and care costs.

  • Six questions to start
  • A working plan in ~15 minutes
  • Add depth when it applies
  • 14 days free · no credit card
Start your free 14-day trialExplore a finished plan →

$99 first year, then $129/year · cancel renewal anytime

Your retirement deserves more than a calculator.

Watch a plan come together: built from six answers, tested against 10,000 market futures, compared against a second retirement date — with help that never touches your numbers.

An animated walkthrough of Retirivo: savings and retirement ages are entered into the six-question Base Plan; the plan is tested against 10,000 simulated market paths and shows 82 percent confidence; Plan B, retiring two years later, shows 93 percent confidence; and Retirivo Assistant explains where mortgage details belong and offers a validated button to open that section without changing the plan.

Every view stays tied to the same plan, so a change in timing, spending, income, or assumptions carries through the whole decision.

Try it with your numbers — free for 14 days

See the whole retirement picture, then test what could break it

These are real Retirivo screens using a built-in fictional household—not a decorative mockup. Compare retirement dates, inspect the assumptions, and see which changes matter.

Retirivo retirement overview showing plan status, Plan A and Plan B outcomes, and next actions for a fictional sample household

Sample values are fictional. Your public-session changes reset when you refresh.

Explore this plan yourself →

Six answers. Fifteen minutes. A plan you can test.

Rough numbers are fine — you get a working plan today. Then refine it with as much detail as your household needs, whenever it applies.

  1. Answer six simple questions

    Who’s in your household, when you want to retire, what you’ve saved, what you’ll spend, what income you expect, and what to assume. “Not sure” is a valid answer — refine anything later.

    • Household
    • Timing
    • Savings
    • Spending
    • Income
    • Assumptions

  2. See your whole retirement

    A year-by-year projection to age 95, two retirement timings side by side, and how much of your spending guaranteed income already covers.

  3. Break it on purpose

    A 2008-style crash, seventies inflation, a long-term-care event — run each through your exact numbers before real life tries them on you.

One smooth line is a guess. A range of futures is a better test.

Real retirements encounter crashes, recoveries, and inflation in an unpredictable order. A loss near the start can matter far more than the same loss years later. Retirivo makes that sequence risk visible without pretending uncertainty can be removed.

Retire90thMedian10th
The shaded ranges show simulated outcomes around the median path. They are possibilities, not predictions.

Confidence, not a promise

Your numbers run through 10,000 simulated market paths. Retirivo reports how often the focused plan lasts—not a guarantee that one future will happen.

Two retirements, side by side

Hold Plan A and Plan B on screen at once and see what a later retirement date, different spending, or another assumption changes.

Separate signals, clearer decisions

Probability, setup completeness, funding cushion, and stress-test flags stay separate, so one strong result cannot hide an assumption that needs review.

Simple for most households. Deep for complicated ones.

Everyone starts the same way: six questions. What happens next depends on your household — and nothing extra is required to get your first answer.

Start simple

The six-question Base Plan

  • Six simple questions — about 15 minutes to a working plan
  • Rough numbers and “not sure” answers keep you moving
  • A complete year-by-year picture to age 95, ready to pressure-test

Add depth when it applies

Refine Plan, one topic at a time

  • Pensions & survivor choices
  • RSUs, options & deferred comp
  • Rental income
  • Inherited IRAs & QCDs
  • Pre-Medicare healthcare bridge
  • Roth conversion windows
  • Social Security timing

Complicated household? One of the ten sample plans below probably looks like yours — including one built entirely around equity compensation and one juggling a rental, an inherited IRA, and a property sale.

Try one of 10 complete retirement stories first

Each sample is a complete fictional household. Explore the plan, change its assumptions, and run the calculations without creating an account. Nothing is saved.

Early saver

Age 35 · single · decades to adjust

How much does starting early change the long view?

Open this sample

Nearing retirement

Age 51 · married · two dates compared

What does working a few more years actually buy?

Open this sample

Complex retirement

Rental · inherited IRA · property sale · QCD

Can several moving pieces still tell one clear story?

Open this sample

Ready to try yours? Start with your six answers.

Start your free 14-day trial

See the math before you trust the answer.

Retirement software should earn confidence through transparent assumptions, reproducible results, and plain-language limits. These are the receipts Retirivo shows:

Same inputs, same answer

Run the risk test twice with the same numbers and you get the same result — no hidden model drift, and every report can be re-checked by you or a professional.

Methodology on every report

Each report carries its model version and assumptions, so you — or a professional — can check the work.

Change notices, in writing

When tax tables or calculation models update, you get a transparent notice of what changed and why.

A trial with no card on file

Fourteen days, full product, no credit card. If it doesn’t earn your trust, nothing is charged.

AI explains. Math decides.

  • Retirivo Assistant explains screens, terms, and results in plain language — and that is all it does.
  • Every projection and risk test comes from Retirivo’s tested calculation engine. AI never does the math and never changes a plan field.
  • Nothing in Retirivo gives personalized financial advice — the AI included.

Educational software, not advice.

Retirivo provides estimates and planning signals to explore — not individualized financial, tax, or investment advice. Confirm important decisions with a qualified professional. We put this in a box on the marketing page because we mean it.

Why Retirivo exists

Built for the questions a simple calculator leaves unanswered.

I built Retirivo because retirement decisions rarely fit in one smooth projection. People deserve to compare the tradeoffs, pressure-test the plan, and understand why the answer changed—without needing to become a spreadsheet expert.

Retirivo is educational software, not a substitute for professional advice. Its job is to help you arrive at better questions and a more transparent planning conversation.

Brian Pisowicz

Founder, Retirivo

A year of planning—not a one-and-done export.

Markets move and life changes. Your membership keeps the plan alive, not archived:

  • Keep every plan, scenario, and report — and re-run them whenever life changes
  • Annual tax and rule updates, documented in plain change notices
  • One membership, everything included — no tiers, no per-scenario upsells

Less than one hour of a financial advisor’s time — for a year of unlimited testing.

Free for 14 days

Full product. No credit card to start.

$99your first year

$8.25/month equivalent · then $129/year at renewal

  • A working plan from six questions — plus Refine Plan depth when you need it
  • Risk test across 10,000 simulated market futures
  • Plan A vs. Plan B retirement timing, side by side
  • Social Security timing & Roth conversion labs
  • Stress scenarios, expense estimator, decision journal
  • Healthcare estimate and tax-opportunity year flags
  • A clean printable report you can bring to a professional
  • Retirivo Assistant product help and a separate AI Plan Review
Start free trial

Introductory price for new members. Cancel renewal anytime; access continues through your paid year.

Fair questions

Is this financial advice?

No. Retirivo is educational planning software: it turns the numbers you enter into estimates and planning signals you can explore. It is not individualized financial, tax, or investment advice — confirm important decisions with a qualified professional.

Do I have to link my bank or brokerage accounts?

No. You type in rough numbers — balances, income, spending — and refine them whenever you like. Nothing connects to your accounts, and estimates are fine to start.

Is my information private and secure?

Nothing connects to your bank or brokerage — you type in rough numbers yourself. Your plan is stored in your password-protected account and sent over encrypted connections, your data is never sold, and you can delete your account and everything in it at any time.

Is AI doing the calculations?

Never. Every projection and risk test comes from Retirivo’s tested calculation engine — the same inputs always produce the same result. Retirivo Assistant explains fields and can point you to the right section, but it never receives your plan values and never changes a field. AI Plan Review only summarizes results the engine has already produced.

My household is complicated — pensions, equity comp, a rental. Will this work?

That’s what Refine Plan is for. Start with the six questions like everyone else, then add pensions and survivor choices, RSUs and options, rental income, inherited IRAs, QCDs, and more — only what applies to you. Two of the ten sample plans are built around equity compensation and a complex retirement; open one to see how far the modeling goes.

How is this different from a free retirement calculator?

A free calculator draws one smooth line from a handful of inputs. Retirivo builds a year-by-year plan across your savings, income, spending, and taxes, tests it against 10,000 simulated market futures, holds two retirement dates side by side, and shows every assumption it used — so you can defend the answer instead of hoping for it.

What happens after the free trial?

Your trial runs 14 days with no credit card on file, so nothing is charged automatically. If Retirivo earned its keep, membership is $99 for your first year, then $129/year. Cancel renewal anytime; access continues through your paid year.

I’m not a spreadsheet person. Is this for me?

Especially for you. Every technical term gets a plain-language explanation, Plan Readiness shows what is missing, and you can open a finished sample plan before entering anything.

You’ll spend 30 years retired. Spend 15 minutes testing the plan.

Start your free 14-day trial

No credit card required · $99 first year, then $129/year · cancel renewal anytime