Your household as one cash flow
Social Security, pensions, other income, spending, savings, taxes, Medicare, and required distributions in one projection—not a headline number with the moving parts hidden behind it.
What you get
Retireomics. One connected model.
Retireomics brings the connected parts of a retirement decision into one household projection. You can inspect the assumptions, compare one change at a time, and see where the model stops.
Inside the model
One household model. One connected view.
The product is deliberately broad where retirement decisions interact. It is deliberately specific about what each result rests on.
Both people, not two calculators
Different claiming ages, spousal benefits, survivor benefits, a spouse pension with its own COLA and continuation terms, and per-person Medicare timing.
Evidence labels on every result
Each figure is marked for what it rests on: what you entered, what was assumed, what was derived, what rule applied, and what is still missing.
Taxes, RMDs, and Medicare inside the model
Federal brackets, Social Security taxability, required distributions from your birth year, and Medicare income surcharges are computed in the same projection rather than left for you to subtract afterward.
A comparison you choose
Set a baseline, change one thing you are actually considering, and hold every other assumption still so the difference means something.
Market range and sequence risk
Weaker, median, and stronger modeled paths across 300 return sequences, including the effect of poor returns arriving early. This is evidence about uncertainty, not a forecast.
The formulas, in public
The rules and assumptions used by Retireomics are documented on the Methodology page, so a number you question can be checked rather than taken on trust.
A report you can discuss with someone
The plan as a document—assumptions, charts, calculations, and limitations together—for a spouse, CPA, or planner.
Clear boundaries
What the model does not do.
The edges are part of the product. Nothing on this list is a hidden upgrade or an invitation to assume more than the model can support.
- Healthcare beyond the Part B premium and its income surcharges—Part D premiums, Medigap, Medicare Advantage, dental, vision, and hearing are yours to add to spending
- The reverse survivor case; the model runs “spouse dies first, primary survives” and does not model independent survivor claiming strategy
- Tax-return-grade detail: NIIT, QCDs, inherited-account deadlines, gifting, and per-lot cost basis
- Estate planning, insurance, and portfolio construction
- Dedicated state tax handling for 26 states: 13 use curated rules, 9 have no state income tax, and 4 exempt retirement income; other states use an effective rate you set yourself
- Automatic import from SSA, a brokerage, or an employer plan; figures are entered by hand
Read the list as an agenda rather than an apology. A standalone comprehensive financial plan runs an average of $2,400 (The Kitces Report, 2024 data), and it covers ground this model does not: estate, insurance, portfolio construction, and tax-return-grade detail.
Retireomics is the narrower tool. It is not a substitute for a comprehensive plan; it helps you arrive at that conversation knowing what your income covers, what your savings may need to fund, and which questions remain open.
Why it renews
Renewal keeps the published model current.
Federal tax brackets move with inflation each year. Medicare income-surcharge tiers move. Required-distribution ages depend on birth year and legislation. Social Security figures are restated annually.
A tool whose promise is you can check its arithmetic cannot let those constants go stale. Renewal keeps the rules current and supports the features built in the meantime.
If a subscription lapses, nothing is taken away. A plan already produced stays readable on the version it was produced on. Renewal is how you get the new year, not how you keep the old one.
Access and pricing
Start by seeing the model in action.
Retireomics is in closed beta and is not yet available for purchase. Pricing will be announced here at launch.