Am I going to be OK?
Get a real answer on your retirement in five minutes. Free, private, no signup.
Are you on track to retire?
A few numbers. No signup. Private by default — all modeling runs in your browser.
Private by default — all modeling runs in your browser.
About you
Your money
We'll assume a typical account mix — fix it in a minute
Get your estimate at ssa.gov/myaccount — a rough number is fine
For state income tax — skip if you like
Sets assumed returns and bond mix — fine-tune later
Add your age, when you retire, and your retirement spending to see your results.
Private by default — all modeling runs in your browser.
What you'll actually see
Five minutes gets your first answer. Keep going, and you'll know:
Saving for retirement
- How likely your savings are to last — A probability, not a guess. Monte Carlo across 99 years of real market history — not a single average return.
- Whether you're saving enough right now — Modeled from your actual paycheck: salary, taxes and FICA, spending, employer match, and what's left over invested each year.
- Whether your rentals pull their weight — Rent, Schedule E operating costs, depreciation, and an eventual sale — taxed the way the IRS would.
Close to retirement
- When to claim Social Security — Compare claiming ages side-by-side to see which strategy gives you the most lifetime income.
- Whether Roth conversions make sense for you — And how much they could save in lifetime taxes.
- How to bridge the years before 59½ — Model Roth conversion ladders, Rule of 55, and 72(t) withdrawals, with penalties priced in when a plan comes up short.
In retirement
- How much you can safely spend each year — Without running out before you run out of time.
- What healthcare costs before Medicare — ACA subsidies under the 2026 rules and IRMAA surcharges after 65, projected year by year.
Private by design
All calculations run right here in your browser — private by default.
Free. Seriously.
No products, no referrals, no hidden agenda. Just math.
No signup, no accounts
Start immediately — no account needed.
Featured Reading
When to Claim Social Security
The math behind the decision — and why "take it early" is usually bad advice.
Roth Conversions: When They Make Sense
How to think through the decision — with examples showing when converting saves money.
Why "Average Returns" Will Mislead You
How sequence of returns risk can wreck a portfolio — and how to stress-test your plan.
The ACA Cliff: Why $1,000 Can Cost $20,000
If you retire before 65, healthcare subsidies depend on your income. Here's how to plan.
The Roth Conversion Ladder, Modeled Honestly
The IRS ordering rules, the five-year clocks, and the penalty math when a rung comes up short.
The ACA Bridge: Early Retirement to Medicare
Under 2026 law the 400% FPL cliff is back. How the subsidy math works — and the lever you control.
Ready to see your numbers?
No account needed. First answer in about 5 minutes. Nothing to break.
Curious how that works? A full planner that runs in your browser.