Most tools give you a single guess. We run thousands of simulations across market regimes, tax scenarios, and spending strategies — so you get a real answer.
Most retirement calculators use oversimplified math that hides real risk. Here's what they get wrong.
They show you one line going up. But markets don't move in straight lines — a crash in year two hits differently than a crash in year twenty.
Withdrawing from a 401(k) vs. a Roth vs. a brokerage account has vastly different tax consequences. Most tools treat all dollars the same.
"Hold 60/40 and withdraw 4%." That might work for some. But your situation — your accounts, your income timing, your risk tolerance — is unique.
We simulate your plan across thousands of possible market paths — crashes, booms, stagflation, everything. You see the full range of outcomes, not a single guess. The result: a probability-weighted answer to "Will my money last?"
Our optimizer evaluates hundreds of strategy combinations — allocation glide paths, bond tents, bucket strategies — and maps out the efficient frontier. You see the tradeoff between safety and growth, and pick the point that's right for you.
Explore every combination of retirement ages for you and your partner. The heatmap shows exactly where the math works — and where it doesn't. No more guessing if "one more year" actually makes a difference.
Our engine models federal tax brackets, capital gains, IRMAA surcharges, RMDs, and Social Security taxation. It sequences withdrawals across your accounts to minimize the lifetime tax bill — not just this year's.
Accounts, income sources, planned expenses, Social Security — enter what you know. We handle the complexity.
Thousands of Monte Carlo simulations across market regimes, tax rules, and withdrawal strategies. In seconds.
See your probability of success, explore what-if scenarios, and find the strategy that fits your life — backed by real numbers.
Most tools oversimplify. Here's what qtvia does that they don't.
| Capability | Typical Calculators | qtvia |
|---|---|---|
| Monte Carlo simulation | Partial | ✓ |
| Tax-aware withdrawal sequencing | ✕ | ✓ |
| Federal brackets, IRMAA, NIIT, RMDs | ✕ | ✓ |
| Strategy optimization (glide paths, bond tents) | ✕ | ✓ |
| Couples with survivor modeling | Partial | ✓ |
| What-if retirement age analysis | ✕ | ✓ |
| Roth conversion strategy | ✕ | ✓ |
| Social Security claiming optimization | Partial | ✓ |
| Market regime modeling | ✕ | ✓ |
Most brokerage calculators use simple linear projections or basic Monte Carlo with a single average return. qtvia models tax brackets, withdrawal sequencing, market regimes, and strategy optimization. The things that actually determine whether your money lasts.
No. qtvia is designed to give you the same quality of analysis that a high end planner would, without the cost. That said, it's a tool for informed decision making, not personalized financial advice.
Your data is encrypted in transit and at rest. We never share or sell your information. You can delete your account and all data at any time.
We're still finalizing pricing. Join the waitlist and we'll keep you posted.
Yes. qtvia models both partners independently: separate accounts, separate Social Security, separate retirement dates, with full survivor transition modeling if one partner passes first.
No problem. You enter each account separately: 401(k), IRA, Roth, brokerage, HSA, regardless of where they're held. qtvia optimizes across all of them.
Join the waitlist and we'll let you know when qtvia is ready.
We'll be in touch when qtvia is ready. Thanks for your interest.