Retirement planning without the black box
Estimate your retirement timeline with assumptions you control.
Compare retirement age, savings, spending, inflation, withdrawal rate, and market risk in one transparent planning workspace.
- Browser-based
- Private by default
- Transparent assumptions
- Educational estimate
01 / Calculator
Build your retirement estimate.
Run retirement, FIRE, inflation, and Monte Carlo scenarios in your browser with plain-English interpretation and explicit assumptions.
02 / Method
How the estimate is produced
The result combines deterministic projection, a scenario-level Monte Carlo simulation, and a clear interpretation layer. This helps you compare a planning target against the range of possible outcomes, instead of a single promise.
Inputs are interpreted once, then converted into projected portfolio growth, spending demand, and a FIRE target.
Success rate reflects how often the modeled run survives under 1,000 random return paths.
03 / Read the result
Read FIRE number, projected portfolio, and success rate together.
Use all three numbers as a compact decision triad: target size, trajectory, and resilience. A high success rate does not change the assumptions.
04 / Scenarios
Scenario examples and comparison
Retirement scenario examples
Explore practical planning examples
Use these examples as starting points for assumption testing. They are educational scenarios, not personalized guidance.
Open scenario library05 / Planning library
Featured guides for the next planning pass
Start here
Retirement planning basics
Build the mental model behind the calculator before changing any inputs.
Withdrawal strategy
Safe withdrawal rate
Why withdrawal settings matter and how they affect your success envelope.
Inflation and spending
Inflation and retirement
Turn today’s spending into a purchasing-power-aware planning target.
Healthcare
Healthcare before Medicare
Plan for health costs and coverage risk before age 65.
Social Security
Social Security timing
See how claiming age affects the bridge to retirement spending goals.
Taxes and accounts
Tax-advantaged accounts
Keep tax effects in mind before comparing one retirement date against another.
06 / Limits
What the calculator does not know
This model does not replace tax planning, legal review, pensions, debt strategy, or insurance valuation. It does not model every life event, only assumptions you choose to set.
Use scenario stress-tests, reduce one assumption at a time, and keep a qualified professional involved before making final money decisions.
07 / Trust