Everything you need to retire with confidence
Get personalized guidance, track your progress, and make confident decisions about your financial independence journey.
Get Started FreeYour Personal AI Retirement Coach
Have 1:1 conversations about your retirement plan in plain English. Get personalized recommendations based on your unique financial situation.
- Ask questions anytime
- Get personalized recommendations based on your financial situation
- Understand complex retirement concepts explained simply
- Test different strategies and get instant feedback
What if I increase my contributions by $500/month?
Increasing by $500/month adds $6,000 annually. Based on your plan, this moves your retirement date up by approximately 2.5 years and increases your projected portfolio at 65 by $187,000.
Know Your Retirement Readiness at a Glance
Get a single 0-100 score that tells you exactly how prepared you are for retirement, with a letter grade from Excellent to At Risk.
- 5-component breakdown: Monte Carlo success, portfolio sustainability, income adequacy, savings rate, and tax diversification
- Confidence level reflects how complete your plan data is
- Actionable next steps tied to your weakest areas
- Score updates automatically as your plan evolves
Know Exactly When You Can Retire
Answer the most important question: When will I have enough to retire comfortably?
- See your projected portfolio value at your target retirement age
- Track if you're on pace to hit your retirement number
- Visualize year-by-year portfolio growth from now until retirement
- Monitor progress toward financial independence with clear milestones
See Your Complete Retirement Picture
Visualize your path to retirement with clear, actionable metrics all in one place.
- Projected annual income vs. spending goals with progress bars
- Portfolio target tracking with milestone indicators
- Interactive charts showing income composition and growth projections
- Reserve depletion timeline to avoid running out of money
- Track multiple income sources: dividends, Social Security, pensions, and more
Create Up to 20 Custom Scenarios
Take full control of your retirement planning with unlimited flexibility. Create, save, and compare up to 20 different scenarios to find your perfect path to financial independence.
- Create up to 20 fully customizable scenarios
- Adjust every variable: retirement age, spending, returns, inflation, and contributions
- See instant impact on portfolio value, depletion age, and income gaps
- Compare scenarios side-by-side to find the optimal strategy
- Save and revisit scenarios anytime as your situation evolves
- Name and organize your scenarios for easy reference
Plan All Your Retirement Income Sources
Understand exactly when and how much income you'll receive throughout retirement.
- Track Social Security, pensions, rental income, and more
- Model different start dates and income patterns
- Automatic inflation adjustments for realistic projections
- See how all your income sources work together to fund your lifestyle
Know Your Real Odds of Success
Go beyond simple projections. See the probability your retirement plan will succeed across thousands of market scenarios.
- Monte Carlo simulation runs 5,000 different market scenarios
- See your plan's success probability as a percentage
- Understand best-case, worst-case, and most-likely outcomes
- Test how market volatility affects your retirement security
- Make confident decisions backed by statistical analysis
See How Your Plan Survives Real Market History
Replay your exact retirement plan through every market cycle since 1928. See at a glance which decades would have been smooth sailing and which would have tested your plan.
- Test your plan against 97 years of real stock and bond returns (1928-2024)
- Color-coded heatmap instantly shows which decades would have been risky
- See your ending balance and depletion age for every historical starting year
- Choose your asset allocation (70/30, 60/40, 50/50) to match your strategy
- View results in today's dollars or future dollars
5 Smart Withdrawal Strategies
Choose the retirement income strategy that fits your lifestyle. From the classic 4% rule to dynamic guardrails and Vanguard Dynamic Spending that adjust with the market.
- The 4% Rule: Time-tested approach - withdraw 4% initially, then adjust for inflation each year
- Spend More Early: Higher withdrawals when you're active, naturally declining as you age
- Market-Based: Fixed percentage of portfolio each year - spend more in good years, less in bad
- Guyton-Klinger Guardrails: Smart adjustments that cut spending in crashes and increase it in booms
- Vanguard Dynamic Spending: A percentage of the portfolio, but each year's inflation-adjusted spending change is capped at +5% / -2.5% - market-linked without the swings
Bridge the Gap to 59.5 Without Penalties
Retiring early means navigating the years before your retirement accounts unlock penalty-free at age 59.5. Know if you're covered, or exactly how to close the gap.
- See if your penalty-free accounts (brokerage, savings, 457b) can cover expenses until 59.5
- Identify exactly when and how large any funding gap would be
- Year-by-year projection of penalty-free vs locked account balances
- Get actionable strategies: Roth conversion ladders, Rule 72(t), increased taxable savings
- Accounts automatically classified as penalty-free or penalty-locked
Model Your Spending Through Different Life Phases
Create detailed or simplified budgets for different stages of life. Track debts, plan one-time expenses, and see exactly how your spending evolves.
- Create budget phases for different life stages (working years, early retirement, etc.)
- Choose simplified budgets (one monthly amount) or detailed category breakdowns
- Track debts like mortgages, car loans, and credit cards with payoff projections
- Plan one-time expenses (home renovation, wedding, major purchases)
- See how spending changes affect your retirement timeline
Track Contributions to All Your Accounts
Set up regular contributions to each account and see how they compound over time. Plan contribution changes at different ages.
- Add monthly or annual contributions to each account
- Set start and end ages for contribution periods
- Track total annual contributions across all accounts
- Model contribution increases (raises, bonuses) at specific ages
- See how contribution changes affect retirement readiness
Comprehensive Financial Reports
Deep-dive into your retirement plan with detailed reports on net worth, cash flow, income composition, and portfolio projections.
- Net Worth Report: Track total assets vs. liabilities over time
- Cash Flow Report: See income vs. expenses year-by-year through retirement
- Income Sources Report: Visualize income composition from all sources
- Portfolio Projection: Chart portfolio growth from now to end of retirement
- Export data for financial advisors or personal records
Plan for Required Minimum Distributions
Understand when RMDs start and how much you'll need to withdraw from tax-deferred accounts. Avoid penalties and plan your tax strategy.
- See when RMDs begin based on current tax law (age 73 or 75)
- View which accounts are subject to RMDs (Traditional IRA, 401(k), etc.)
- Project annual RMD amounts for each affected account
- Plan ahead for the tax impact of mandatory withdrawals
- Optimize withdrawal strategies to minimize taxes
Roth IRA Conversion Planning
Strategically convert traditional retirement accounts to Roth IRAs. Optimize your tax situation now to enjoy tax-free growth and withdrawals in retirement.
- Model Roth conversions at different ages to find the optimal strategy
- See the tax impact of conversions in each year
- Compare scenarios with and without Roth conversions
- Reduce future RMDs by converting to tax-free Roth accounts
- Plan conversions during lower-income years for maximum tax efficiency
- Visualize long-term tax savings from strategic conversions
Retirement Tax Planning
Taxes can be one of the largest controllable expenses in retirement. Every projection calculates federal, state, and payroll taxes year by year using real IRS brackets — not a single guessed rate.
- Federal tax from the actual IRS brackets for your filing status
- State income tax estimates for all 50 states and DC
- Social Security taxed the way the IRS does it, based on provisional income
- FICA on wages while you are still working, with a separate wage base per spouse
- RMDs and Roth conversions folded into the same tax picture
- Retire and move mid-year? The year is split between both states
Build Your Complete Plan in 5 Simple Steps
We guide you through everything needed for an accurate retirement projection. Each step builds on the last to create your personalized plan.
- Step-by-step guidance through all your financial details
- Track all account types: 401(k), IRA, Roth, HSA, brokerage, and more
- Model all income streams: Social Security, pensions, rental income, dividends
- Configure spending by life phase with detailed or simplified budgets
- Update anytime as your situation or goals change
Compare All 5 Withdrawal Strategies at Once
Stop switching between strategies one at a time. See the Classic 4% Rule, Spend More Early, Market-Based, Guardrails, and Vanguard Dynamic Spending overlaid on a single chart so you can pick the best fit instantly.
- One-click toggle shows all 5 strategies on the same chart
- Color-coded lines make it easy to see how each strategy affects your portfolio over time
- Summary table compares depletion age, ending balance, and withdrawal amounts
- Your active strategy is highlighted so you always know your current selection
- Export comparison data to CSV for offline analysis
Download Your Plan as a Professional PDF
Export your entire retirement plan as a polished, multi-page PDF. Print it, email it to your spouse, or bring it to your next meeting with a financial advisor.
- 9-page branded report covering readiness score, net worth, Monte Carlo analysis, cash flow, income sources, and more
- Charts and visualizations rendered directly in the PDF — no screenshots needed
- Year-by-year summary tables at key milestone ages
- Professional formatting with your name, plan settings, and all assumptions documented
- RetirePlanAI branding on every page — advisors can see exactly where you built your plan
Connect Claude or ChatGPT to Your Plan
Ask about your retirement plan right inside the AI assistant you already use. The connector securely shares your live numbers so you can get answers in plain language — in Claude, ChatGPT, and more.
- Ask about your plan from Claude, ChatGPT, and Claude Code
- Answers use your own live data — net worth, Monte Carlo success, readiness score
- Read-only and private: secure OAuth sign-in, revoke access anytime
- No extra AI cost — the thinking happens in your own AI client
What's my retirement readiness score, and what's holding it back?
Your readiness score is 82 / 100 (B+). The biggest drag is your savings rate at 70 — increasing tax-advantaged contributions would lift it most.
Model Annuities With Guaranteed Income
Add an annuity in plain English and watch the guaranteed income flow into every projection.
- Model SPIAs, deferred income annuities, and QLACs
- Set payout, start age, COLA, survivor benefit, and tax treatment
- Model a future purchase — the premium is drawn from your portfolio
- See annuity income in your Monte Carlo, cash flow, and income timeline
Built for Privacy, Security, and Ease of Use
Security & Privacy
Industry-standard security measures protect your data. Your data is never sold to third parties.
Inflation-Adjusted
All calculations account for inflation over time. See values in both today's dollars and future dollars for realistic purchasing power estimates.
Mobile-Friendly
Access your plan from any device. Responsive design that works seamlessly on desktop, tablet, and phone.
Monarch Import
Already track your accounts in Monarch? Export a balances CSV and update every balance at once — no retyping.
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Find Your Optimal Social Security Claiming Age
Compare all 81 claiming age combinations for you and your spouse. See exactly which strategy maximizes your lifetime household income.