Will your savings
last through retirement?
Get a clear answer in 60 seconds. A free retirement calculator that models Monte Carlo outcomes, Social Security timing, and tax-aware withdrawals — then lets you change any assumption and watch your whole plan update. Built for everyday people — no jargon, no sales pitch, and the math is open for you to check.
Free forever · No credit card · Your data stays on your device
They want the full picture, not just a quick estimate.
Latest Insights
Retirement Advice That Actually Helps
Fresh, actionable articles — no fluff, just strategy
How It Works
Get your retirement answer in 3 minutes
Input Your Numbers
Enter your savings, income, and goals in under 3 minutes. No account linking, no sales calls — your data stays in your browser.
See 1,000 Futures at Once
Monte Carlo analysis runs 1,000 market scenarios instantly. Tax-aware projections include RMDs, Social Security, and capital gains.
Tweak Anything, See Everything
Change your retirement age, savings rate, or claiming strategy — and watch every projection, chart, and tax estimate update in real-time.
Everything You Need to Retire with Confidence
Professional-grade tools designed for retirement planning
Portfolio Tracking
See every account and your true net worth in one place, so your projections reflect reality — not guesswork.
Income Forecasting
Project your retirement income 5, 10, or 30 years into the future with customizable assumptions.
Monte Carlo Analysis
Run 1,000 simulations to understand your probability of success in any market condition.
AI Advisor
Ask anything about your plan and get answers grounded in your actual numbers — taxes, withdrawals, and Social Security included.
Social Security Optimizer
Find the optimal age to claim Social Security benefits and maximize your lifetime income.
Tax Strategy
Model Roth conversions, tax-smart withdrawal order, and capital-gains-aware projections to minimize lifetime taxes.
More than a single number
Most free calculators hand you one figure and a guess. RetirePro shows the full, tax-aware picture — and lets you act on it.
A typical free calculator
- ✕ One number from a single average-return scenario
- ✕ Pre-tax estimates that ignore RMDs and Social Security taxation
- ✕ Fixed assumptions you can't really stress-test
- ✕ Often a lead-gen funnel — link your accounts, then a sales call
- ✕ Generic to every age and situation
RetirePro
- ✓ 1,000 Monte Carlo outcomes plus a year-by-year breakdown
- ✓ Federal + state taxes, RMDs, capital gains, and Social Security taxation
- ✓ Change any assumption and watch every projection update instantly
- ✓ No account linking, no sales calls — your data stays in your browser
- ✓ Built for people 5–15 years from retirement
An AI Copilot for Your Retirement Plan
When you choose to include plan context, the Advisor can explain your retirement savings, budget, mortgages, tax assumptions, and results. It helps you explore decisions without silently changing your plan.
A clearer way to explore your plan:
- ✓ Guided, one-question-at-a-time help when you are building your plan
- ✓ Retirement savings, contribution totals, and Social Security assumptions
- ✓ Budget, net worth, mortgages, tax settings, and available results
- ✓ Clear explanations of assumptions, trade-offs, and where numbers came from
- ✓ Your choice to include plan context, with no silent edits to your saved plan
The right age depends on your estimated benefit, health, household needs, and how long your savings need to last.
Compare your estimates at different claiming ages, then review how each option changes your retirement income. Verify benefit estimates with the Social Security Administration before deciding. 📊
Illustrative example — not a customer’s personal data.
One plan. Every tool. $9 a month.
We retired the $19 tier and the two-tier upgrade maze. There is now a single paid plan — Premium — and it includes everything: the AI Advisor, the full calculators, the estate and tax tools, and every report.
Pricing, simplified
Premium used to be $19/mo and Pro was $9/mo, so you had to pick a tier before you could see whether it was worth it. We removed that choice.
- ✓ Every paid feature in one plan — no add-ons, no upsells
- ✓ Free stays free: 3 accounts, expected-case projection, Social Security estimator
- ✓ $84/yr if you pay yearly — same plan, save 22%
- ✓ 30-day money-back guarantee, cancel anytime
- ✓ Existing $19 subscribers moved to the $9 plan at renewal — nothing extra charged
The AI Advisor now runs your numbers
The Advisor no longer estimates. Ask a question in plain English and it runs the same calculators you would, on your saved plan — then shows you the math behind the answer.
- ✓ Monte Carlo simulation — success rate and ending-balance percentiles, not a guess
- ✓ Year-by-year projection — expected, optimistic and pessimistic balances
- ✓ Social Security estimate — ages 62, full retirement age, and 70
- ✓ Tax estimate — federal and state, from your saved filing status
- ✓ Account summary — balances by tax type, plus your RMD at any age
- ✓ A live status line while it calculates, and a “Show calculation details” panel on every answer
- ✓ Replay any answer against an updated plan when you change your numbers
Already on the old $19 plan? You are already on Premium — your next invoice is $9.
Simple, Transparent Pricing
Start free, upgrade when you're ready
Most households outgrow the free tier once they want unlimited accounts, the full market stress test, and full Monte Carlo analysis. Premium unlocks all of it — plus the AI advisor and estate tools — for one price.
Free
Best for: Testing your retirement plan with 3 accounts
- ✓ Basic retirement summary
- ✓ Social Security estimator
- ✓ Up to 3 accounts
- ✓ Expected-case projection
- ✓ Community support
Premium
Billed monthly · cancel anytime
One plan. Every tool. No upsells.
- ✓ All Free features
- ✓ AI Retirement Advisor that knows your numbers
- ✓ Full Monte Carlo analysis (1,000 scenarios)
- ✓ Best & worst-case market stress test
- ✓ Social Security claiming optimizer
- ✓ Tax planning & Roth conversion tools
- ✓ Estate planning: estate tax, inheritance & trust calculators
- ✓ Advanced scenarios (72(t), LTC, rent vs buy & more)
- ✓ Unlimited accounts
- ✓ Net worth, budget & mortgage planners
- ✓ Professional PDF & HTML reports
- ✓ Cloud sync, monthly plan review email & email support
30-day money-back guarantee · cancel anytime
Compare Plans
| Feature | Free | Premium · $9/mo |
|---|---|---|
| Accounts | Up to 3 | Unlimited |
| Market Stress Test | Expected only | Best & worst case |
| Monte Carlo Analysis | Summary only | Full (1,000 scenarios) |
| Social Security | Basic estimator | Full optimizer |
| AI Retirement Advisor | — | ✓ (Fusion AI Core) |
| Tax & Roth Conversion Tools | — | ✓ |
| Estate Tax, Inheritance & Trust Calculators | — | ✓ |
| Estate Planning Checklist | — | ✓ |
| Advanced Scenarios | — | ✓ |
| Net Worth Tracking | Basic | Advanced |
| Budget Planning & Tracking | — | ✓ |
| Mortgage Calculator | — | ✓ |
| Report Generation | — | PDF + HTML |
| Data Export/Import | — | JSON |
| Cloud Sync | — | ✓ |
| Monthly Plan Review Email | — | ✓ |
| Support | Community |
🔒 Your Security is Our Priority
Secure Payments
All payments processed by Stripe. We never see or store your card details.
Data Privacy
Your financial data is encrypted and private. We never sell your information.
Money-Back Guarantee
Not satisfied? Get a full refund within 30 days, no questions asked.
Ready to Plan Your Dream Retirement?
Start free now, then upgrade when you need the full picture.
Start FreeFree: Retirement Readiness Checklist
Get the 12-point checklist plus one actionable retirement tip every Monday. No spam, unsubscribe anytime.
Frequently Asked Questions
Got questions? We've got answers.
Built for people who actually retire soon
A serious planning tool for people 5–15 years from retirement who want a clear picture, not a sales pitch.
“I built RetirePro because the tools I tried either oversimplified the math or buried it behind a $3,000 advisor engagement. I wanted to see the real numbers — taxes, RMDs, Social Security timing, and how long the money actually lasts — and be able to change one assumption and watch everything update. No account linking, no sales calls, no selling your data. Just the honest math.”
Built for everyday people
Real retirement math — RMDs, Social Security taxation, capital gains, and Roth conversions — not a generic savings calculator.
Transparent methodology
Every assumption and formula is documented. See exactly how each projection is calculated before you trust a single number.
Current IRS & SSA rules
Tax brackets, standard deductions, RMD tables, and Social Security formulas follow current U.S. federal rules.
Your data stays yours
Calculations run in your browser. Cloud sync and AI context sharing are optional; when you use the AI Advisor, selected plan details are sent to xAI. We never sell your data.
No sales pitch
We don’t sell financial products or take commissions. The tool’s only job is to show you the honest numbers.
Try it risk-free
Start free with no credit card. Every paid plan includes a 30-day money-back guarantee.
Already using RetirePro? Share your story — we feature real, opted-in customer experiences here.