Free Monte Carlo
Retirement Calculator
Calculate, analyze, and forecast your retirement income. Make smarter financial decisions with AI-powered insights and Monte Carlo simulations.
No credit card required • Full access to all features
How It Works
Get started in minutes, not hours
Enter Your Data
Input your current savings, income, expenses, and retirement goals. We'll do the heavy lifting.
Analyze & Plan
See your retirement projections, Social Security estimates, and income gap analysis in real-time.
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.
Loved by Future Retirees
See what our users are saying
"Finally, a tool that actually understands retirement planning! The income forecasting helped me realize I can retire 3 years earlier."
"The Monte Carlo simulations gave me the confidence I needed. Now I know my plan will survive any market downturn."
"I switched from spreadsheets to RetirePro and never looked back. The Social Security optimizer alone saved me $40k in lifetime benefits."
Simple, Transparent Pricing
Start free, upgrade when you're ready
Free
Perfect for getting started
- ✓ Basic retirement calculator
- ✓ Social Security estimator
- ✓ 5-year projections
- ✓ Net worth basics
- ✓ Community support
Pro
For serious retirement planners
- ✓ All Free features
- ✓ Monte Carlo simulations (1,000 scenarios)
- ✓ 30-year projections
- ✓ Tax optimization tools
- ✓ Advanced net worth tracking
- ✓ Budget planning & tracking
- ✓ Mortgage calculator
- ✓ JSON export/import
- ✓ Cloud sync across devices
- ✓ Professional HTML reports
- ✓ Email support
Premium
Maximum power & flexibility
- ✓ 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
| Feature | Free | Pro | Premium |
|---|---|---|---|
| Retirement Projections | 5 years | 30 years | Unlimited |
| Monte Carlo Simulations | — | ✓ (1,000 scenarios) | ✓ (1,000 scenarios) |
| Social Security Calculator | ✓ | ✓ | ✓ |
| Tax Optimization Tools | — | ✓ | ✓ |
| Net Worth Tracking | Basic | Advanced | Advanced |
| Budget Planning & Tracking | — | ✓ | ✓ |
| Mortgage Calculator | — | ✓ | ✓ |
| Data Export/Import | — | JSON | JSON |
| Cloud Sync | — | ✓ | ✓ |
| Report Generation | — | HTML | PDF + HTML |
| AI Retirement Advisor | — | — | ✓ (Grok-powered) |
| Estate Tax Calculator | — | — | ✓ |
| Inheritance Distribution Calculator | — | — | ✓ |
| Trust Planning Calculator | — | — | ✓ |
| Estate Planning Checklist | — | — | ✓ |
| Support | Community | Priority |
🔒 Your Security is Our Priority
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Data Privacy
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Money-Back Guarantee
Not satisfied? Get a full refund within 30 days, no questions asked.
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Frequently Asked Questions
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