Closed beta access is free.
Use Retivo during closed beta with no payment, trial, or subscription.
Future pricing estimates. Paid plans are not currently available. Amounts may change before launch.
Compare estimated monthly and annual pricing.
Current closed beta
Current access.
$0 while in closed beta
- Full access to the planner during the beta
- No payment, trial, or subscription
- Access approved on request
- Your financial workspace stays encrypted on your device
Estimate
Possible future subscription
Estimated pricing for a possible future launch.
~$5 /month est.
~$4.17 /month est.
~$50 if billed annually · ~17% less than monthly
- Every model: taxes, required withdrawals, Social Security, Medicare, and healthcare subsidies
- Unlimited scenarios and what-ifs
- 10,000-scenario stress test
- Social Security claim-age comparison
- Roth conversion comparison
- All five withdrawal strategies
- Charitable IRA gifts, spending range check, protected account floors, and projected withdrawals
- PDF report + full workspace export & import
- On-device encryption and passkey sign-in
- Light & dark themes, runs in your browser
No advertising trackers; your data is not sold.
Pricing questions
Is there anything to pay right now?
No. The closed beta is free, and there is no billing, trial, or subscription. Requesting
access does not create a payment obligation.
Are the amounts shown final?
No. They are estimates for a possible future launch and may change. Beta participants will
be notified before any paid plan is introduced.
How is the annual estimate calculated?
The annual estimate works out to about $4.17/month ($50 for the year),
roughly 17% less than the estimated monthly amount.
What happens before paid plans launch?
No payment is collected now. Before any paid plan is offered, its full terms — pricing,
billing period, renewal, refunds, cancellation, and any trial — will be shown, along with
the Terms of Use and Privacy Notice.
More questions? See the full FAQ.