RetireOS

Retirement is a math problem disguised as a feeling. RetireOS turns the feeling back into the math, and runs it entirely on your laptop and phone. Every account in one place - 401(k), Roth and Traditional IRA, HSA, brokerage, savings, pension, real estate equity - with balances, monthly contributions, employer match, and growth assumptions. A target nest egg (a multiple of expenses or a flat number) and a customizable withdrawal rate (4 percent default). A compound projection chart that watches your balance grow from today to your target retire age, then drawdown to your target end age. A Social Security tab with claim-age trade-offs (62 vs Full Retirement Age vs 70), break-even math, and spousal/survivor strategy notes. A Healthcare tab with a Medicare 65 enrollment countdown and a pre-65 bridge plan (COBRA, ACA marketplace, HSA). A Withdrawal Strategy tab with tax-efficient drawdown order (taxable - traditional - Roth, or a bucket strategy), an RMD calculator (age 73), and a Roth conversion ladder. The Dashboard rolls everything up - years to retire, savings vs goal percent, projected monthly retirement income, monthly contribution gap, and your healthcare timeline. No advisor 1 percent forever. No monthly subscription. Just an honest plan that runs offline on your devices.

WHAT'S INCLUDED

• Dashboard - current age, target retire age, years to go, savings vs goal percent, projected monthly retirement income, monthly contribution gap, healthcare countdown
• Savings - 401(k), Roth and Traditional IRA, HSA, brokerage, savings, pension, real estate equity. Per account: balance, monthly contribution, employer match, growth assumption. Total net worth roll-up
• Goals & Projections - target nest egg (multiple-of-expenses or flat number), monthly need at retirement, withdrawal rate (4 percent default, customizable). Compound projection chart: growth and drawdown to target age
• Social Security - estimated benefit at 62, FRA, and 70. Break-even age math. Spousal and survivor strategy notes. Manual benefit entry
• Healthcare - Medicare 65 enrollment countdown. Pre-65 bridge plan (COBRA, ACA marketplace, HSA). Supplement vs Advantage notes
• Withdrawal Strategy - tax-efficient drawdown order (taxable, traditional, Roth, or bucket strategy). RMD calculator (age 73). Roth conversion ladder
• Settings - profile (name, current age, target retire age, target end age, currency), assumptions (return rate, inflation, withdrawal rate). Export and import JSON, load demo data, clear all

100% PRIVATE AND OFFLINE

All data stays on your device. No server, no cloud, no account. Works completely offline.

WORKS ON ALL DEVICES

Open on laptop, add to home screen on iPhone (Safari) or Android (Chrome) as an app. One file, all devices.

INSTANT DOWNLOAD

Download once, use forever. No subscription, no renewal, no expiry.

PERFECT FOR

• Pre-retirees 50 to 65 who are 5 to 15 years out from retirement
• Couples already transitioning who want savings vs goal, Social Security timing, and healthcare bridge math in one place
• DIY retirees tired of paying an advisor 1 percent forever or another monthly retirement subscription
• People who already tried Personal Capital, Empower, or Excel templates and want a real interactive offline dashboard with all the moving parts in one private app

Questions? Message us on Etsy - we reply within 24 hours.