Free Retirement Calculator & Planner

Am I going to be OK?

Get a real answer on your retirement in five minutes. Free.

…or see a full sample household first →

Are you on track to retire?

A few numbers.

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

Next: add your age.

Had a plan here before? Your browser may have cleared it — .

What you'll actually see

Roth conversion planner with a slider from converting nothing to the optimal amount, showing money kept after tax and the tax paid now
Roth conversions sized to leave you the most money after every tax — IRMAA and ACA cliffs priced in.
Income and spending flow diagram for a retirement year with Social Security, a Roth conversion, and every expense category
Where every dollar comes from and goes, any year of your plan.
Account balances by type across the whole plan, with a year inspector showing balances, flows, and milestones for the selected year
Every account, every year — click a year for its full statement.
Yearly tax bills broken into federal, state, capital gains, and FICA, with the effective rate over time
Each year's tax bill, broken into what it's made of — and your effective rate.
A 92% chance-of-success verdict beside the portfolio projection across market scenarios, with computed ways to improve the plan
Your odds across 2,000 real-history markets — and the moves that raise them.

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 more you'd keep after every tax.
  • 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.

Featured Reading

When to Claim Social Security: The Math Behind the Decision

Everyone has an opinion on Social Security timing. Most of them are wrong. Here's how to actually think through it — and why 'take it early' is usually bad advice.

Roth Conversions: When They Make Sense (And When They Don't)

The math behind Roth conversions isn't intuitive. Here's how to think through the decision — with examples showing when converting saves money and when it backfires.

Why "Average Returns" Will Mislead Your Retirement Plan

A 7% average return doesn't mean you'll get 7% every year. Here's how sequence of returns risk can wreck a portfolio — and how to stress-test your plan against real market history.

The ACA Cliff: Why a $1,000 Raise Can Cost You $20,000

If you retire before 65, healthcare subsidies depend on your income. Go $1 over the limit and you lose everything. Here's how to plan around it.

View all articles

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