About SannyasIQ
Retirement, planned the way you would plan it yourself — if you had the time.
Most retirement tools do one of three things: hide the math, ignore your partner, or assume everyone earns the same until 65 and then stops. SannyasIQ does the opposite. Both partners, year by year, with every assumption on the surface and the tax code in the arithmetic — the model a careful spreadsheet would give you, without the three months it would take to build.
Why the name
Sannyas + IQ.
In Vedic tradition, sannyas is the life-stage of stepping back from the day-to-day — not as defeat, but with intention. A chosen turn toward reflection, lighter obligation, and the things that mattered all along.
That is the posture we wanted retirement planning to have: not panic, not denial. The "IQ" half is the work that makes it real — actuarial tables, tax law, dynamic withdrawal strategies, Monte Carlo. Wisdom, plus the arithmetic behind it.
Hence the saffron, hence the indigo, hence the rising sun in the mark.
Our mission
Help couples plan the second half — with clarity.
Retirement planning is deeply personal and unavoidably technical. The real trade-offs — retire at 60 or 65, claim Social Security early or late, convert to Roth now or keep the credit, travel while you still want to or leave more behind — change shape every year as the assumptions under them move.
A good tool should teach as it computes. When SannyasIQ says a plan runs out at 88, it shows the year-by-year table that got there. When it suggests an earliest retirement age, it shows the projection that backs it. No magic, and no upsell standing between you and the answer.
We are building this for ourselves, for our parents, and for the couples we love. If it helps you too, that is the whole point.
What we value
Principles we refuse to bend on.
Transparent, not mystical
Every number traces to something you can inspect: SSA actuarial tables, IRS limits, published brackets, named withdrawal methods. Tax law lives in SannyasIQ as versioned data you can read in the app, not as constants buried in an engine.
Built for two
Most tools model a household as one earner with one birthday. We model each partner — birth date, salary, raise rate, retirement year, Social Security timing, longevity — because that is where the interesting trade-offs are.
Willing to disagree with you
When a plan runs dry, SannyasIQ says in which year. When a spending rule would not have rescued it, it says that instead of finding a kinder framing. A tool that only ever agrees is not measuring anything.
Your data, your data
No ad networks, no data brokers, no monetising of plans. Export a machine-readable copy whenever you want, and delete the account when you are done with it.
Useful beats impressive
A plan you understand will outperform one that looks good in a meeting. We would rather show one clear number with its working than six dashboards with none.
Say which dollars
Projected money is quoted in either today’s purchasing power or the dollars of the year it lands in, and those are different answers. Every chart and figure here states which — a number without a basis is not a number.
Start planning the rest of your life.
Free to try, no card, and no pressure to upgrade before you have a reason to.