After several years of dealing with fussy custom spreadsheets and my utter refusal to pay exorbitant monthly subscription fees for professional financial planning software, I decided to build my own web app.
Then, after several more months of utilizing it for my own modelling/analysis, I realized this thing might actually be good enough for others as well, so I turned it into a full-on desktop app.
The Retirology app was built with a few things in mind:
1. Be adaptable to as many retirement scenarios as possible.
2. Include all the pro-level tools competitors lock behind subscriptions.
3. No account or connections to external services.
4. No subscriptions ever.
What Retirology is capable of:
- Multi-bucket accumulation modelling covering over two dozen account types, with custom growth rates, employer match, and bond tent capabilities.
- Drawdown engine that runs year-by-year analysis and includes features such as Roth conversion ladders, ACA premium subsidy optimization, SEPP 72(t), RMD modelling, and Social Security planning.
- Full state and select locality tax modelling (NYC, Detroit, Maryland counties).
- Robust Monte Carlo stress testing.
- Income and budget tracking.
- A Sankey diagram that models full accumulation and drawdown phases into an easily understood cash flow visual.
- Side-by-side comparison table to see how multiple planning scenarios stack up.
As for the technical details, if you’re so inclined:
- Available on macOS, Windows, and Linux.
- All data stays local, saved in a SQLite file on your machine.
- No account, logic, or cloud sync.
- A single network call the app makes at launch to a version.json to check for updates.
- Backend is Python, FastAPI, Pydantic v2, SQLite, reportlab, and PyInstaller.
- Frontend is React 19, TypeScript, Electron 33, electron-vite + Vite 6, Tailwind CSS 4, Radix UI, and Recharts 3.
Happy to answer questions about any of it, and thank you in advance for checking it out!
After several years of dealing with fussy custom spreadsheets and my utter refusal to pay exorbitant monthly subscription fees for professional financial planning software, I decided to build my own web app.
Then, after several more months of utilizing it for my own modelling/analysis, I realized this thing might actually be good enough for others as well, so I turned it into a full-on desktop app.
The Retirology app was built with a few things in mind:
1. Be adaptable to as many retirement scenarios as possible.
2. Include all the pro-level tools competitors lock behind subscriptions.
3. No account or connections to external services.
4. No subscriptions ever.
What Retirology is capable of:
- Multi-bucket accumulation modelling covering over two dozen account types, with custom growth rates, employer match, and bond tent capabilities.
- Drawdown engine that runs year-by-year analysis and includes features such as Roth conversion ladders, ACA premium subsidy optimization, SEPP 72(t), RMD modelling, and Social Security planning.
- Full state and select locality tax modelling (NYC, Detroit, Maryland counties).
- Robust Monte Carlo stress testing.
- Income and budget tracking.
- A Sankey diagram that models full accumulation and drawdown phases into an easily understood cash flow visual.
- Side-by-side comparison table to see how multiple planning scenarios stack up.
As for the technical details, if you’re so inclined:
- Available on macOS, Windows, and Linux.
- All data stays local, saved in a SQLite file on your machine.
- No account, logic, or cloud sync.
- A single network call the app makes at launch to a version.json to check for updates.
- Backend is Python, FastAPI, Pydantic v2, SQLite, reportlab, and PyInstaller.
- Frontend is React 19, TypeScript, Electron 33, electron-vite + Vite 6, Tailwind CSS 4, Radix UI, and Recharts 3.
Happy to answer questions about any of it, and thank you in advance for checking it out!