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Will your savings
last through retirement?

Get a clear answer in 60 seconds. Free retirement calculator with Monte Carlo simulation, Social Security optimization, and tax-aware projections — built by a financial professional, not a marketing team.

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Free forever · No credit card · Your data stays on your device

🎲
Monte Carlo
1,000 simulations per run
💵
Social Security
Claim-age optimizer
🧮
Tax-aware
Federal + state brackets
🔒
Private by default
Stays in your browser
Why people upgrade

They want the full picture, not just a quick estimate.

Pro: unlimited accounts, 30-year projections, full Monte Carlo analysis.
Premium: AI guidance, estate tools, and advanced scenario modeling.
RetirePro Dashboard - Plan your retirement with confidence

How It Works

Get started in minutes, not hours

1

Enter Your Data

Input your current savings, income, expenses, and retirement goals. We'll do the heavy lifting.

2

Analyze & Plan

See your retirement projections, Social Security estimates, and income gap analysis in real-time.

3

Optimize & Grow

Use AI insights and Monte Carlo simulations to optimize your strategy and build confidence.

Everything You Need to Retire with Confidence

Professional-grade tools designed for retirement planning

📊

Portfolio Tracking

Track all your retirement accounts in one place. Real-time values, asset allocation, and growth tracking.

📈

Income Forecasting

Project your retirement income 5, 10, or 30 years into the future with customizable assumptions.

🛡️

Monte Carlo Analysis

Run thousands of simulations to understand your probability of success in any market condition.

🤖

AI Advisor

Get personalized insights and recommendations powered by AI that understands your unique situation.

📅

Social Security Optimizer

Find the optimal age to claim Social Security benefits and maximize your lifetime income.

🔍

Tax Strategy

Analyze Roth conversions, tax-loss harvesting, and withdrawal strategies to minimize taxes.

Simple, Transparent Pricing

Start free, upgrade when you're ready

Most households outgrow the free tier once they want unlimited accounts, 30-year projections, and full Monte Carlo analysis.

Free

$0/forever

Best for: Testing your retirement plan with 3 accounts

  • ✓ Basic retirement summary
  • ✓ Social Security estimator
  • ✓ Up to 3 accounts
  • ✓ 5-year projections
  • ✓ Community support
Get Started
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Pro

$9/month

Best for: Most households that want a real retirement answer

  • ✓ All Free features
  • ✓ Full Monte Carlo analysis (1,000 scenarios)
  • ✓ Unlimited accounts
  • ✓ Social Security claiming optimizer
  • ✓ 30-year projections
  • ✓ Tax optimization tools
  • ✓ Advanced net worth tracking
  • ✓ Budget planning & tracking
  • ✓ Mortgage calculator
  • ✓ Cloud sync & JSON export
  • ✓ Professional HTML reports
  • ✓ Email support

Premium

$19/month

Best for: People who want guidance beyond projections

  • ✓ All Pro features
  • ✓ AI Retirement Advisor (Grok-powered)
  • ✓ Estate Tax Calculator
  • ✓ Inheritance Distribution Calculator
  • ✓ Trust Planning Calculator
  • ✓ Estate Planning Checklist Generator
  • ✓ Professional PDF reports
  • ✓ Advanced scenario modeling
  • ✓ Priority support
  • ✓ Early access to new features

Compare Plans

FeatureFreeProPremium
AccountsUp to 3UnlimitedUnlimited
Retirement Projections5 years30 yearsUnlimited
Monte Carlo AnalysisSummary onlyFull (1,000 scenarios)Full (1,000 scenarios)
Social SecurityBasic estimatorFull optimizerFull optimizer
Tax Optimization Tools—✓✓
Net Worth TrackingBasicAdvancedAdvanced
Budget Planning & Tracking—✓✓
Mortgage Calculator—✓✓
Data Export/Import—JSONJSON
Cloud Sync—✓✓
Report Generation—HTMLPDF + HTML
AI Retirement Advisor——✓ (Grok-powered)
Estate Tax Calculator——✓
Inheritance Distribution Calculator——✓
Trust Planning Calculator——✓
Estate Planning Checklist——✓
SupportCommunityEmailPriority

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30-Day Guarantee
Money-back promise
🛡️
GDPR Ready
Data protection
🏦

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.

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Free: Retirement Readiness Checklist

Get the 12-point checklist plus one actionable retirement tip every Monday. No spam, unsubscribe anytime.

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Frequently Asked Questions

Got questions? We've got answers.

Absolutely. We use 256-bit SSL encryption for all data transmission, and your data is encrypted at rest. We never store your login credentials to financial institutions. All payment processing is handled by Stripe, which is PCI-DSS compliant.
Yes, you can cancel your subscription at any time. There are no long-term contracts or cancellation fees. Your access will continue until the end of your current billing period.
The Free plan lets you track up to 3 retirement accounts (e.g., your IRA, 401k, and a spouse's account). This is perfect for getting started. If you need to track more accounts, upgrade to Pro for unlimited accounts.
Yes! Our Free plan lets you try the core retirement planning tools with up to 3 accounts and a basic results summary — forever, no credit card required. Upgrade to Pro to unlock full Monte Carlo analysis, the Social Security optimizer, unlimited accounts, and more.
No, RetirePro provides educational tools and calculations only. We do not provide personalized financial, investment, tax, or legal advice. Always consult with qualified professionals before making financial decisions.
Our projections use industry-standard calculations and Monte Carlo simulations. However, all projections are estimates based on the assumptions you provide. Actual results will vary based on market conditions, inflation, and other factors.
Pro and Premium subscribers can export their complete retirement data in JSON format for backup and transfer. Premium subscribers also get professional PDF reports and HTML reports. All data export includes your retirement projections, net worth data, tax settings, and all calculations.
Premium subscribers get access to our Grok-powered AI Retirement Advisor. Ask personalized questions about your retirement strategy, tax implications, Social Security optimization, estate planning, and any aspect of your financial plan. The AI has access to all your data and provides tailored recommendations.
Premium subscribers get comprehensive estate planning tools including an Estate Tax Calculator (federal and state taxes), Inheritance Distribution Calculator (fair beneficiary distribution), Trust Planning Calculator (determine if trusts are needed), and an Estate Planning Checklist Generator (step-by-step planning guide).
Need the full picture?

Free gets people started. Pricing shows the line where Pro and Premium unlock the real planning tools.

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