Retirement planning software—built for you
Easy-to-use, powerful software that can help you answer the essential questions, whether your goal is to retire at 35 or 75
Interactive Retirement Planning
Build a detailed, year-by-year retirement plan in under 30 minutes—illustrated through a dashboard and over a dozen charts covering income, expenses, taxes, and much more.
Cash Flow Over Time
Track the movement of money and easily visualize how your income and spending evolves over time within your plan.
Stress Testing Your Plan
See how your plan holds up with advanced stress testing across market crashes, inflation spikes, and real-world scenarios. Know your probability of success.
Social Security Maximizer
Maximize Social Security benefits by evaluating more than 700 filing strategies to find the optimal claiming age for you and your spouse.
Tax Planning & Optimization
Model federal and state taxes year by year, including Roth conversion strategies, IRMAA thresholds, and capital gains. Minimize your lifetime tax burden with smart withdrawal sequencing.
All-in-One Retirement Planning
Create, visualize, and optimize every aspect of your retirement plan, all in one place
Tax-Smart
Federal & State tax modeling with built-in tax optimization strategies
Income
Retirement accounts, Social Security, pension, and employment
Expenses
Research driven spending strategies, recurring costs, debt, major purchases, and life events
Healthcare
Medicare premiums, pre-Medicare, IRMAA surcharges, and long-term care
Social Security
Filing strategies, spousal and survivor benefits
Modeling
Roth conversions, tax optimization, RMDs, and withdrawal order
Stress Testing
AI-enabled simulations with 1,000 scenarios
Reporting
Over a dozen charts covering balances, income, and taxes
How It Works
Three simple steps to your personalized retirement plan
What People Are Saying
Real feedback from real users
I stumbled upon your site looking for retirement planning tools/calculators. This is BY FAR the most comprehensive planning tool I've come across. I just wanted to say thank you for putting this together and making it available to people like me!
I was surprised by how quickly we could see a full picture of retirement finances. It's easy to move through and gives information that truly helps.
I finally feel like I understand where I stand for retirement. That peace of mind is huge.
Very nice free service! I was able to get started quickly and effortlessly.
Ready to Plan Your Best Retirement?
It takes less than 30 minutes to gain a roadmap for financial well-being.
Get Started—It's Free!