Pricing
Simple, transparent
Simple, transparent
pricing
The full calculator is always free. Upgrade to Pro anytime.
Free
$0
Free forever
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
Pro
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
30-day money-back guarantee · Cancel anytime
Need team or advisor features? Let us know
Full feature comparison
| Feature | Free | Pro |
|---|---|---|
| Core Calculator | ||
| Full lifetime projection (age → 100) | ✓ | ✓ |
| 6 account types | ✓ | ✓ |
| Custom growth rates per account | ✓ | ✓ |
| Social Security + COLA modeling | ✓ | ✓ |
| Pension / annuity income | ✓ | ✓ |
| Inflation-adjusted spending | ✓ | ✓ |
| 2026 federal tax engine (all filing statuses) | ✓ | ✓ |
| See your state tax impact | — | ✓ |
| Choose which accounts to draw from first | — | ✓ |
| Model big-ticket future expenses | — | ✓ |
| Charts & Visualization | ||
| Stacked asset breakdown with annotations | ✓ | ✓ |
| Income timeline | ✓ | ✓ |
| Early retirement sensitivity chart | ✓ | ✓ |
| Export & Reports | ||
| Excel export (data + charts) | ✓ | ✓ |
| Professional 9-page PDF report | — | ✓ |
| Scenarios & Planning | ||
| Save & revisit retirement scenarios | — | Up to 50 |
| Compare two plans side-by-side | — | ✓ |
| Experience | ||
| Account required | No | Yes |
| Priority email support | — | ✓ |
Common questions
Yes. The core calculator — projections, charts, Excel export, tax modeling — will always be free. We believe everyone deserves access to professional-grade retirement planning tools, not just those who can afford a financial advisor.
No account required. Open the calculator, enter your numbers, and you're done. Everything runs in your browser. Your data is never sent to our servers. A Pro account is required to enable saving and syncing scenarios.
We offer a 30-day money-back guarantee, no questions asked. You can also cancel anytime from your billing portal — you'll keep Pro access through the remainder of your paid period. After that, your saved scenarios stay in read-only mode for 30 days so you can export them before reverting to the free tier.
Most free retirement calculators give you a single number or a color-coded gauge based on one or two inputs. Drawdown Arc builds a full year-by-year projection across multiple account types, with real federal tax math, Social Security modeling, and withdrawal sequencing. Pro adds state taxes, saved scenarios, PDF reports, and side-by-side comparison — tools that typically require a paid advisor relationship or expensive planning software.
No. Drawdown Arc is a modeling and projection tool, not a registered investment advisor. All outputs are estimates based on your inputs and simplified assumptions. Consult a qualified financial advisor before making major retirement decisions. See our About page for full disclosure of assumptions and limitations.