A planning SaaS that imports or manually models retirement accounts, income sources, tax rules, inherited IRA deadlines, and spending needs, then simulates withdrawal sequences across multiple scenarios. It flags tax cliffs, compares Social Security claiming ages, estimates safe withdrawal ranges, and produces year-by-year drawdown recommendations with gross income, taxes, Medicare impacts, and remaining balances.

More households are entering retirement with mixed account types, inherited IRAs, and complex tax exposure under the 10-year inherited IRA rule. Rising interest in DIY financial planning is creating demand for advisor-grade modeling without requiring a full-service wealth manager.