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Retirology
FIRE planning without the subscription.
Professional retirement planning as a one-time $19+ purchase, not a $20-40/month subscription. Roth conversion ladders, Monte Carlo, ACA optimization, full 51-state tax across all four filing statuses, year-by-year drawdown Sankey. An affordable, privacy-first alternative to ProjectionLab, Boldin, MaxiFi, and YNAB. Runs locally on macOS, Windows, and Linux. No accounts. No telemetry.
About Retirology on Product Hunt
“FIRE planning without the subscription.”
Retirology was submitted on Product Hunt and earned 0 upvotes and 1 comments, placing #70 on the daily leaderboard. Professional retirement planning as a one-time $19+ purchase, not a $20-40/month subscription. Roth conversion ladders, Monte Carlo, ACA optimization, full 51-state tax across all four filing statuses, year-by-year drawdown Sankey. An affordable, privacy-first alternative to ProjectionLab, Boldin, MaxiFi, and YNAB. Runs locally on macOS, Windows, and Linux. No accounts. No telemetry.
On the analytics side, Retirology competes within Money, Finance and Personal Finance — topics that collectively have 13.3k followers on Product Hunt. The dashboard above tracks how Retirology performed against the three products that launched closest to it on the same day.
Who hunted Retirology?
Retirology was hunted by Retirology. A “hunter” on Product Hunt is the community member who submits a product to the platform — uploading the images, the link, and tagging the makers behind it. Hunters typically write the first comment explaining why a product is worth attention, and their followers are notified the moment they post. Around 79% of featured launches on Product Hunt are self-hunted by their makers, but a well-known hunter still acts as a signal of quality to the rest of the community. See the full all-time top hunters leaderboard to discover who is shaping the Product Hunt ecosystem.
For a complete overview of Retirology including community comment highlights and product details, visit the product overview.
Hey Hunters 👋
A bit on why this exists:
Most retirement planning tools sell themselves on a $20-40/month subscription. For a tool you'll lean on for 30+ years of planning, that math doesn't work, you'd pay thousands over time for software that should have been a one-time purchase. The FIRE community in particular tends to either patch things together in spreadsheets or grit their teeth and pay the recurring bill.
Retirology is what I wished existed. A desktop app, sold once per major version, that handles the calculations FIRE planners actually need, including:
- Roth conversion ladders with four optimization modes (fill-the-bracket, ACA-cap, fixed, RMD-targeted)
- Monte Carlo with historical bootstrap from a bundled 1928–2024 dataset (S&P 500, 10-yr Treasury, T-bills, CPI)
- ACA premium-subsidy optimization with full MAGI strategy
- Full state + locality income tax across 51 states and all four filing statuses
- Year-by-year drawdown with a Sankey that traces every dollar
- Built-in budget analyzer that sets your FI target from real spending, not a guessed round number
A few design choices worth flagging:
Local-only. Your data lives in a SQLite file on your laptop. The app makes one network call per launch: a static version JSON check. No cloud sync, no account, no telemetry. Run Little Snitch, and you'll see exactly what I'm describing.
Pay-what-you-want above $19. The floor is $19. Suggested tier is $65, about one month of a typical advisor subscription. You pick what feels fair.
Yearly major versions, never a subscription. Each year ships a new major (refreshed tax tables, app-wide redesigns) as a separate purchase, with a discount for prior-year customers. Mid-year patches are free and include all new features and enhancements. Check out https://retirology.app/changelog.html to see what we just shipped. Each annual version will keep working forever, even if I disappear; there's no server it depends on.
Genuinely looking for feedback, especially from anyone currently running their plan in a spreadsheet or paying for a tool that doesn't quite fit your situation. What's the gap you'd want closed?