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!