RETIREMENT PLANNING
Plan the retirement
you actually want.
Monte Carlo simulations, Social Security optimization, annual checkups and a full suite of planning tools — built on deterministic formulas, not guesses.
$1.8M
Average projected shortfall with default savings rate
72%
Americans who have not calculated retirement income needs
8 yrs
Average gain from optimal Social Security claiming
FLAGSHIP TOOLS
Start here — these three do the heavy lifting.
Retirement Monte Carlo
Run 1,000 simulations across variable return sequences to find your true probability of success — not a single optimistic straight line.
1,000
scenarios
3
risk paths
Saveable
& shareable
Social Security Optimizer
Find the optimal claiming age for a single filer or couple. Compare break-even ages, survivor benefits and the cost of claiming early.
4
claim strategies
Break-even
analysis
Survivor
benefit model
Annual Retirement Checkup
Update your plan once a year and see exactly how your probability, spending capacity and target date shifted versus last year's saved checkup.
Year-over-year
comparison
Driver
analysis
Reminder
supported
ALL RETIREMENT TOOLS
The complete toolkit.
401(k) Growth & Match
Project growth with employer matching across your career, including vesting schedules.
Roth vs Traditional
Compare after-tax wealth across tax scenarios: same bracket, climbing bracket, retired lower.
Roth Conversion Planner
Model a multi-year conversion ladder before a move or income drop to minimize lifetime tax.
Safe Withdrawal Rate
Test spending rates from 3% to 5% across historical 30-year periods and sequence-of-returns risk.
FIRE Date Calculator
Find your FI date and track monthly savings rate versus target with a progress countdown.
Will My Money Last?
See how long a given portfolio survives under conservative, expected and optimistic spending.
RMD Calculator
Required minimum distributions for ages 73+, with annual calendar reminders.
Pension Lump Sum vs Annuity
Compare break-even longevity, inflation risk and survivor-benefit scenarios.
Retirement Healthcare Reserve
Estimate medical expenses from retirement to Medicare and beyond.
Social Security Break-Even
The exact month where a later-claim strategy wins for any two start dates.
Retirement Tax Estimator
Compare state residency and income mix options to find the lowest tax retirement scenario.