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Most retirement planning is dangerously oversimplified
- Using a spreadsheet with a single assumed return rate
- Guessing whether you have 'enough' based on rules of thumb
- Ignoring sequence of returns risk in early retirement
- Manually updating projections as life changes
Institutional-grade modeling, accessible to everyone
- Monte Carlo simulations stress-test 1,000+ market scenarios
- See your actual probability of success, not just a number
- Model both accumulation and decumulation phases together
- Real-time recalculation as you adjust assumptions
Try it yourself
Adjust the sliders to see how your retirement probability changes. This is a simplified demo -- the full simulator offers much more.
$250,000
$2,000/month
$60,000/year
Estimated Success Probability
Based on historical market data and Monte Carlo simulation
Try Full SimulatorEverything you need to plan with confidence
Professional-grade tools designed for clarity, not complexity.
Monte Carlo Simulations
Test your plan against 1,000+ market scenarios using historical data back to 1871.
Portfolio Tracking
Connect real accounts or manually track assets with live Yahoo Finance data.
Withdrawal Strategies
Compare 4% rule, VPW, guardrails, and other methods side-by-side.
Multiple Scenarios
Create and compare what-if scenarios: early retirement, part-time work, relocation.
FIRE Calculators
Coast FIRE, Barista FIRE, Lean vs Fat FIRE, and more specialized tools.
Social Security Optimizer
Find your optimal claiming age based on longevity and spousal benefits.
Pension Analysis
Compare lump sum vs annuity options with breakeven analysis.
Healthcare Planning
Model ACA subsidies, Medicare costs, and healthcare bridge scenarios.
What planners say
“Finally, a retirement tool that doesn't sugarcoat the numbers. The Monte Carlo simulation showed me I wasn't as prepared as I thoughtâbut now I am.”
Michael R.
Software Engineer, 42
“I've tried every FIRE calculator out there. This is the first one that let me model both my accumulation and decumulation in one place with realistic assumptions.”
Sarah K.
Marketing Director, 38
“The Social Security optimizer alone saved me from claiming too early. The breakeven analysis was eye-opening.”
David L.
Retired, 63
“Love how it handles sequence of returns risk. Most calculators just use average returns which is dangerously misleading.”
Jennifer M.
Financial Analyst, 45
“The scenario comparison feature is brilliant. I can see exactly how working part-time for 3 more years impacts my probability of success.”
Robert T.
Project Manager, 55
“Clean interface, powerful calculations, and they actually explain the methodology. Rare combination in this space.”
Amanda W.
Physician, 50
Transparent, rigorous, peer-reviewed
No black boxes. We explain exactly how our calculations work so you can trust the results.
Historical Data
We use Shiller's dataset covering US stock & bond returns from 1871 to present.
Monte Carlo Simulation
1,000+ random paths through historical sequences test your plan's resilience.
Success Probability
We calculate the percentage of scenarios where your money lasts through retirement.
Continuous Refinement
Adjust assumptions in real-time and see how changes impact your outcome.
Simple, transparent pricing
Start free, upgrade when you need more power. No hidden fees.
Free
Perfect for exploring and basic planning
- 1 retirement scenario
- Basic Monte Carlo simulation
- Core FIRE calculators
- Portfolio tracking (5 assets)
- Email support
Premium
Full power for serious retirement planning
- Unlimited scenarios
- Advanced Monte Carlo (1,000+ runs)
- All specialized calculators
- Unlimited portfolio tracking
- Social Security optimizer
- Pension analysis tools
- Healthcare bridge planning
- Priority support
- Data export (CSV/PDF)
Premium includes a 14-day free trial. Cancel anytime.
Frequently asked questions
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