fireIQ

FIREIQ, LLC

About this app

fireIQ is a personal retirement and FIRE (Financial Independence, Retire Early) planning app for US-based adults. Enter your financial picture — or securely link your accounts — and fireIQ models your future: how long your savings last, the taxes you'll owe, and the tradeoffs between different strategies.

fireIQ is a planning and education tool. It is NOT a licensed financial advisor, broker, or tax professional. It does not execute trades, move money, lend, or exchange crypto. Always consult a qualified professional before making real-money decisions.

WHAT YOU CAN DO

• Retirement projections — model account growth and spend-down to see how long your savings last.
• Tax-smart modeling — apply federal and all-50-state tax brackets to your withdrawal plan.
• Roth conversion planning — explore converting tax-deferred savings to tax-free and see the tax impact.
• Required Minimum Distributions (RMDs) — see when RMDs begin and how they affect your plan.
• Medicare IRMAA — model income-related Medicare premium surcharges and target a tier.
• Social Security — factor in claim age and estimated benefits for you and a spouse.
• Link or enter accounts — securely connect banks and brokerages via Plaid to import balances and holdings, or add accounts by hand. Either way, organized by tax bucket (Tax-Deferred, Tax-Free, Taxable).
• Daily history — see how your net worth changes night by night, with a chart for every account and marks where your plan changed.
• AI Advisor (paid) — ask questions about YOUR plan in plain language and get context-aware answers grounded in your numbers. Informational only and may contain errors.

SUBSCRIPTION TIERS

• Core (Free) — planning tools and projections.
• Pro ($9.99/month) — adds the AI Advisor (monthly usage budget) and account linking.
• Pro+ ($19.99/month) — higher AI Advisor budget plus advanced features.

Subscriptions auto-renew monthly until canceled. Manage or cancel anytime.

PRIVACY YOU CONTROL

• We do not sell your data, ever.
• No ads, and we never use your data for advertising.
• We do not use your data to train AI models.
• Analytics are optional — turn off "Share usage data" in Profile → App Preferences. We never send your name, email, financial values, or advisor message content to analytics.
• Daily history is optional — turn it off or clear it in Profile → Daily History.
• Your data is encrypted in transit (TLS 1.2+) and at rest (AES-256).
• Delete everything yourself — Profile → Delete Profile removes your data immediately and cancels any active subscription.
• Two-step verification (TOTP) is available and required before linking financial accounts.

WHO IT'S FOR

Adults (18+) planning for retirement or financial independence — mid-career savers through pre-retirees who want to understand the numbers behind their plan.

IMPORTANT DISCLAIMER

fireIQ is an educational planning tool. Projections and AI Advisor responses are mathematical models and informational content, not predictions or professional advice. Real-world results vary. Nothing in fireIQ constitutes investment, tax, or legal advice.

What’s new

Daily history
• See how much your net worth changed over a range you pick.
• Switch the Dashboard chart to History to see it night by night, with marks for plan changes and new accounts.
• Each account's page charts its balance.
• Linked accounts move as Plaid reports new balances; manual ones when you edit them.
• New guide in What's New and Help: "See how your net worth changes".
• Turn it off or clear it in Profile → Daily History.

Also
• Withdrawal Strategy is a shorter card on phones.