The math is real.
The number is yours.
Project your assets, income, withdrawals, and taxes year by year, with real 2026 federal brackets.
Free · No signup · Runs in your browser
Free is the calculator.
Pro is the toolkit.
Built for people who want real numbers, not feel-good estimates.
The complete calculator.
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Full lifetime projection
Year-by-year asset, income, and withdrawal modeling through age 100.
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Six account types
Cash, Taxable, Roth, Tax-Deferred (401k/IRA/TSP), and Other. Custom growth rates and priority order.
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2026 federal tax engine
Progressive brackets with standard deduction. Iterative gross-up covers the tax bill.
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Four interactive charts
Asset breakdown, withdrawal timeline, spending vs inflation, sensitivity analysis.
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Excel workbook export
Formatted .xlsx with embedded charts, inputs sheet, currency-formatted columns.
The toolkit for serious planning.
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Save up to 50 scenarios
Persist plans across sessions. Revisit, rename, duplicate, delete.
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Side-by-side comparison
Compare two plans or withdrawal strategies. See how retiring at 55 vs 62 changes the picture.
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Professional PDF reports
Nine-page report with portfolio trajectory and RMD projections for your advisor.
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50-state tax modeling
Progressive brackets, flat rates, and no-tax states. Audit-verified 2025 data.
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Portfolio stress testing
Pressure-test the plan against bad markets and early-retirement sensitivity.
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Monte Carlo simulation
Run thousands of randomised projections to see the probability distribution of outcomes.
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Roth conversion analysis
Find the conversion ceiling and tax-bracket headroom for moving deferred to Roth.
Four inputs.
One projection.
You enter what you have. We loop year by year through growth, withdrawals, RMDs at 73, and real 2026 federal tax math, then hand back a full lifetime picture you can export to Excel and share with your advisor.
See the full method →-
Inputs
Age, balances across five account types, Social Security, pensions, contribution schedule. No account needed.
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Rules
Growth rates per account. Tax-efficient withdrawal order, editable per scenario.
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Output
Four charts plus a year-by-year table: assets, income, withdrawals, tax burden.
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Export
Formatted .xlsx with embedded charts, currency-formatted columns, inputs sheet.
The math is free.
The workflow is Pro.
The full calculator is free. Pro adds saved scenarios, PDF reports, state taxes, stress testing, Monte Carlo, and Roth conversion analysis.
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
- Portfolio stress testing
- Monte Carlo simulation
- Roth conversion analysis
- Priority email support
Need team or advisor features? Let us know
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