Free Retirement Planning Calculator
Get your retirement assessment with Monte Carlo simulations, sensitivity analysis, and tax projections across all 50 states. Couples support included.
Enter Your Details
Complete the wizard below to get your retirement assessment.
Step 1 of 8: About You
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Let's start with some basic information
This helps us calculate your timeline and retirement projections.
Your current age determines the starting point for all projections.
When you plan to stop working and begin drawing from retirement accounts.
We recommend planning to age 95 to avoid outliving your money.
After-inflation return. 3-4% is typical for a balanced portfolio.
Heirs' tax rate when withdrawing from inherited traditional accounts, used to calculate Tax Adjusted Wealth when comparing Roth conversion outcomes.
What You'll Get
Monte Carlo Simulations
Test your plan against 10,000 market scenarios to see your probability of success across bull, bear, and average markets.
Peer Asset Allocation
Compare your allocation to peers with similar retirement horizons and financial profiles. See how you stack up and where you might adjust.
Couples Planning
Separate tracking for self and spouse with different ages, retirement dates, accounts, and income. Joint filing with individual account management.
Federal and State Tax
All 50 states with real brackets. Capital gains treated separately from ordinary income. Planning a move? Model the switch at any future year.
Tax Cliff Awareness
IRMAA, ACA subsidy loss, NIIT, and QBI phaseouts built into every projection year. Avoid costly income threshold surprises.
Year by Year Projections
See exactly how income, spending, taxes, and account balances evolve each year from now through the end of your plan.
Why Use Our Retirement Assessment
10,000 Monte Carlo simulations show how your plan holds up across thousands of market scenarios
Peer asset allocation comparison so you can see how your mix compares to others with similar retirement horizons and financial profiles
Couples support with separate ages, retirement dates, and account tracking for each spouse
Real federal and state tax brackets for all 50 states applied to every year of your projection
RMD, early withdrawal penalties, and tax cliff calculations built into every year
Full visibility into how your income, spending, taxes, and accounts evolve over your entire plan
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Related Free Tools
Roth Conversion Calculator
Presents you with the optimal Roth conversion strategy, along with year by year details, tax and cliff impact, and probability of success across 10,000 market scenarios.
Withdrawal Calculator
Optimize withdrawals across Traditional, Roth, and Taxable accounts. Year by year projections with federal, state, and tax cliff calculations down to the dollar.