RetireQuest

Coming soon to macOS and Windows

Know Your Retirement
Will Work — Before You Retire

RetireQuest stress-tests your plan across hundreds of market scenarios, giving you a real probability of success — not a single optimistic guess.

We're putting the finishing touches on RetireQuest. Join the waitlist to get early access and founding-member pricing.

No spam, ever. One email when we launch — and an early-bird discount for joining.

macOS 12+Windows 10+One-time purchaseInstant license delivery

The Problem

Most retirement calculators
are quietly lying to you

The “Average Return” Fantasy

A calculator that assumes 7% growth every single year isn't modeling reality — it's modeling a fantasy. Markets don't deliver average returns on schedule. Sequence-of-returns risk means a bad decade early in retirement can be catastrophic, even if your long-run average looks fine on paper.

What You Actually Need

A plan that holds up across the range of futures you might actually face — not just the rosy one. RetireQuest runs hundreds of simulated market sequences and tells you what percentage of them your plan survives. That number is your real answer.

Features

Built for the real complexity
of retirement planning

RetireQuest models the inputs that actually matter — not just the ones that are easy to calculate.

Monte Carlo Simulation

Runs hundreds of scenarios using randomized returns derived from your assumed average and volatility — not just a single straight-line projection.

Probability of Success Score

See the percentage of simulated futures where your money lasts through retirement. Aim for 85%+ for a robust plan.

Separate Pre/Post-Retirement Rates

Model different return and volatility assumptions for your accumulation years versus your drawdown years — because they behave very differently.

Volatility Modeling

Set standard deviation alongside expected return to capture real market behavior. Low and high volatility portfolios produce very different risk profiles.

Spending Curves

Model spending that changes over time — higher in the active early years, lower as you slow down, and potentially higher again for late-life care.

Non-Investment Income

Add Social Security, pensions, rental income, or part-time work — each starting at exactly the right age, reducing portfolio draw.

Visual Fan Charts

See the full spread of outcomes at a glance. The fan chart makes the range of possible futures concrete — not just a single projected line.

One-Time Purchase

No subscription, no account required. Buy once, own it forever. License key delivered by email — install on both Mac and Windows.

How It Works

From inputs to insight in minutes

Enter your numbers

Start with your current portfolio balance, planned retirement age, annual contributions, and the spending level you want to sustain. Add Social Security or pension income at the right starting ages.

Set your risk profile

Dial in your expected average return and volatility separately for pre- and post-retirement. Adjust your spending curve to reflect how real expenses shift across the decades.

See your probability of success

RetireQuest runs hundreds of Monte Carlo scenarios and gives you a single honest number: the percentage of simulated futures where your money lasts. Then explore what you can adjust to improve it.

Founding Members

Get the best price we'll ever offer.

One-time purchase, no subscription — ever. Join the waitlist to lock in founding-member pricing when we launch.

RetireQuest

Founding-member pricing

Mac + Windows · One-time purchase · Waitlist members get our lowest price

Native app for macOS 12+ and Windows 10+
Monte Carlo simulation — hundreds of scenarios
Probability of success scoring
Pre- and post-retirement return & volatility settings
Social Security, pension & income stream modeling
Spending curve customization
Fan chart and histogram visualizations
License key by email — install on your machines
Free updates for the life of the major version
30-day money-back guarantee

Join the Waitlist

Not for sale yet. Join the waitlist for early access and founding-member pricing.

FAQ

Common questions

What is Monte Carlo simulation?

Monte Carlo simulation runs hundreds of scenarios, each with a different sequence of randomly-generated annual returns drawn from your assumed average and volatility. Instead of a single projected outcome, you see the full distribution — and the percentage of scenarios where your portfolio survives becomes your probability of success.

How is this different from a free online calculator?

Most free tools use a single average return rate applied uniformly every year. That hides the biggest real risk in retirement: sequence of returns. A poor market early in your drawdown phase can devastate a plan that looks fine on average. RetireQuest models this explicitly, along with separate pre/post-retirement parameters, spending curves, and multiple income streams.

What platforms does RetireQuest run on?

RetireQuest is a native desktop app available for macOS 12 (Monterey) and later, and Windows 10 and later. Your license key covers both platforms.

Is there a free trial?

There is no free trial, but every purchase comes with a 30-day money-back guarantee. If RetireQuest isn't right for you, contact us and we'll refund you in full — no questions asked.

How do I receive the software after purchasing?

Immediately after your Stripe payment is processed, you'll receive an email with your license key and download links for both platforms. Activate the app by entering your key on first launch.

Does RetireQuest connect to my brokerage accounts?

No. RetireQuest is a standalone desktop calculator — it never connects to the internet or your financial accounts. You enter your own numbers. Your data stays entirely on your machine.

Be first in line.

Join the waitlist and we'll email you the moment RetireQuest is ready — with an early-bird discount for getting in early.