fireIQ

fireIQ is a retirement planning app with a real tax engine — the kind of math financial advisors charge thousands for, in your pocket. Most apps stop at "you need $1.5M." fireIQ shows you the path: year-by-year projections of every account, the taxes you'll actually pay, and the moves that change the outcome. WHAT YOU GET • A real tax engine — federal and state brackets, Social Security taxation, RMDs, IRMAA Medicare surcharges, capital gains, and withdrawal sequencing, modeled year by year through your entire retirement. • Roth conversion planning — see how converting now can lower your lifetime tax bill and shrink future RMDs, with side-by-side scenarios. • Your assumptions, your plan — override every input (growth rates, retirement age, budget, Social Security, state) and compare scenarios instantly. • An AI Advisor that knows your numbers — ask in plain English and get answers…