Model Your Retirement
with Professional-Grade Precision
Model your assets, income, withdrawals, and taxes across a full lifetime projection — entirely free, entirely private, entirely in your browser.
✦ No account required · Your data never leaves your device · Free tier, no credit card required
What's included
Everything you need to
model your retirement
Built for people who want real numbers, not feel-good estimates. Every feature is engineered around accuracy and transparency.
Year-by-year asset, income, and withdrawal modeling from today through age 100. Watch your portfolio evolve in real time.
FreeModel Cash Equivalents, Taxable Brokerage, Roth IRA, Tax-Deferred (401k/IRA/TSP), and Other/Speculative — each with custom growth rates and withdrawal priorities.
FreeProgressive tax brackets with standard deduction. Iterative gross-up ensures withdrawals actually cover your tax liability.
FreeStacked asset breakdown, withdrawal timeline, spending vs. inflation-adjusted need, and early retirement sensitivity analysis.
FreeDownload your full projection as a formatted .xlsx with embedded chart images, inputs sheet, and currency-formatted data columns.
FreeSave and compare multiple retirement scenarios side-by-side. See how retiring at 55 vs 62 changes your lifetime picture.
ProSee how your state's income tax changes your retirement picture. Progressive brackets, flat rates, and no-tax states — all built in.
ProGenerate a 9-page report with portfolio trajectory charts, RMD projections, and full assumptions — ready to share with your advisor or spouse.
ProHow it works
Four steps to your
complete projection
Input your age, assets, Social Security estimates, pension details, and contribution schedule. No account needed.
Assign annual growth rates to each account. Withdrawals follow a tax-efficient default order shown in the Portfolio section.
Four charts and a full year-by-year table show your assets, income sources, withdrawals, and tax burden across your lifetime.
Download a formatted Excel workbook with your full projection and embedded charts to share with a financial advisor or spouse.
Pricing
Start free.
Go Pro when you're ready.
The core calculator is always free. Pro unlocks saved scenarios, PDF reports, state taxes, and side-by-side comparison.
Full calculator, no signup required.
- Full lifetime projection engine
- 6 account types + growth rates
- 2026 federal tax modeling
- 4 interactive charts
- Excel export with charts
The full toolkit for serious retirement planning.
- Everything in Free
- Save & revisit up to 50 scenarios
- Compare plans & withdrawal strategies side-by-side
- Professional PDF reports for your advisor
- 50-state tax modeling
- Major planned expenses modeling
- Portfolio stress testing
- Priority email support
Need team or advisor features? Let us know
Retirement guides
Plain-language answers to the
questions behind the math