RetirePlanAI
Built for people who want to plan their own retirement clearly, confidently, and without guesswork.
The idea for RetirePlanAI began while helping family members navigate real retirement decisions. Questions about when to retire, how much they could safely spend, and how market risk might affect their plans were difficult to answer with existing tools. Most options were either too simplistic or too opaque, making it hard to understand tradeoffs or test realistic scenarios. RetirePlanAI was created to solve that problem.
Our mission is to give you the tools to understand your financial future, test real world what-if scenarios, and make informed decisions on your own terms. No sales pitches. No hidden assumptions. Just clarity.
By modeling cash flow, investments, income sources, and risk together, RetirePlanAI helps you:
We are not financial advisors and that is intentional. RetirePlanAI is a planning and analysis tool built by technologists and financial enthusiasts who believe transparency and better modeling lead to better decisions. You stay in control.
How the Numbers Work
RetirePlanAI's projections are built on established financial planning principles, not black-box algorithms. Every calculation is grounded in real data and transparent assumptions you can adjust.
Monte Carlo Simulations
We run 5,000 randomized simulations per analysis to stress-test your plan against a wide range of market conditions, giving you a probability-based view of success rather than a single optimistic estimate.
Historical Market Data
Our market replay mode uses actual U.S. stock and bond returns from 1928 through 2025, sourced from academic financial databases. This lets you see how your plan would have performed through every major crash, recession, and recovery in modern history.
Tax-Aware Modeling
Projections account for the tax treatment of over 20 account types, including Roth IRAs, Traditional IRAs, 401(k)s, HSAs, taxable brokerages, and more. Each account type applies the correct tax rules for contributions, growth, and withdrawals.
Multiple Withdrawal Strategies
We model the Classic 4% Rule, Spend More Early, and Market-Based withdrawal approaches so you can compare strategies side by side.
Inflation-Adjusted Projections
All projections can be viewed in today's dollars or future dollars, with user-configurable inflation rates for general expenses, medical costs, housing appreciation, and Social Security COLA.
RetirePlanAI is built by Jericho Software, a small, mission-driven team based in California. We combine software engineering and financial modeling expertise to build tools that make retirement planning accessible to everyone. Our goal is simple: remove confusion from retirement planning and replace it with understanding, control, and confidence.
RetirePlanAI is for informational and educational purposes only. It is not financial advice, and we are not registered financial advisors, brokers, or fiduciaries. The projections, simulations, and AI-generated guidance provided by RetirePlanAI are based on mathematical models and historical data, which do not guarantee future results. All investment involves risk, including the possible loss of principal. You should consult a qualified financial advisor before making any investment or retirement decisions.
Start Your Plan
Build your plan, explore scenarios, and understand your path forward on your schedule.
Start planning with RetirePlanAI