RetirePro: Your Complete Retirement Planning Solution
Planning for retirement shouldn't feel like guessing in the dark. That's why we built RetirePro—a comprehensive retirement planning platform with 16 integrated features designed to give you complete clarity and confidence about your financial future.
Whether you're just starting to think about retirement or fine-tuning an existing plan, RetirePro provides the professional-grade tools you need, all in one place.
Why RetirePro?
Most retirement calculators give you a single number and call it a day. RetirePro is different. We built a complete financial planning ecosystem that considers:
- ✅ Multiple account types (401k, IRA, Roth, HSA, brokerage, and more)
- ✅ Social Security optimization for you AND your spouse
- ✅ Tax implications across different income sources
- ✅ Real estate and mortgage payoff strategies
- ✅ Monte Carlo simulations for probability-based planning
- ✅ What-if scenarios to test different strategies
- ✅ AI-powered personalized advice
The RetirePro Dashboard: Your Financial Command Center
When you log into RetirePro, you're greeted by the Overview tab—a real-time snapshot of your entire financial picture:
Quick Stats at a Glance
- Total Savings: All retirement accounts combined
- Years to Retirement: Your countdown clock
- Success Rate: Monte Carlo probability of your plan succeeding
- Projected Portfolio: What you'll have at retirement
Key Performance Indicators
The Overview shows KPIs across all areas of your financial life:
- Net Worth: Total assets minus liabilities
- Monthly Cash Flow: Budget surplus or deficit
- Home Equity: Real estate wealth
- Savings Rate: Percentage of income being saved
This isn't just a static display—every number updates instantly as you adjust your plan.
Your Finances: The Heart of RetirePro
The Your Finances tab is where the magic begins. Unlike basic calculators that ask for just a few numbers, RetirePro lets you model your actual financial situation:
Account Types We Support
- Pre-Tax Retirement: 401(k), 403(b), Traditional IRA, SEP-IRA
- Roth Accounts: Roth IRA, Roth 401(k)
- Taxable Brokerage: Individual, Joint, Trust accounts
- HSA: Health Savings Account (triple tax advantage)
- 457(b): Government and non-profit deferred compensation
- Pension: Defined benefit plans
- Inherited IRA: With proper 10-year distribution rules
- Dividend Portfolio: Income-generating investments
- Crypto Holdings: Digital asset allocation
- Annuities: Guaranteed income products
- Rental Properties: Real estate income
- Business Interests: Ownership stakes
Smart Features
- Data Import: Upload JSON files from other planning tools
- Employer Match Calculator: See your full compensation
- Contribution Optimizer: Maximize tax-advantaged savings
- Spouse Support: Plan as a household, not an individual
Results: Know Your Probability of Success
The Results tab shows you the outcome of running thousands of simulations on your retirement plan:
Monte Carlo Analysis
We run 1,000 simulations by default, varying:
- Market returns
- Inflation rates
- Sequence of returns risk
Your success rate tells you the probability that your money will last through your life expectancy. We categorize results as:
- 🟢 85%+ Success: Strong plan, well-positioned
- 🟡 70-84% Success: Needs attention, consider adjustments
- 🔴 Below 70%: At risk, significant changes needed
Three Scenarios
Every calculation shows you:
- Expected Case: Average market conditions
- Optimistic Case: Above-average returns
- Pessimistic Case: Below-average returns
You'll see exactly how much you'll have at retirement and at life expectancy under each scenario.
Social Security: Optimize Your Benefits
Social Security can represent $500,000+ in lifetime income, so claiming strategy matters. The Social Security tab helps you:
Calculate Your Benefits
- Enter your average earnings history
- See your PIA (Primary Insurance Amount)
- Compare benefits at ages 62, 67, and 70
Optimize Claiming Age
- View lifetime benefit projections with COLA adjustments
- See the break-even age for delayed claiming
- For couples: Optimize spousal and survivor benefits together
Automatic Sync
Your Social Security inputs automatically sync with your retirement projections—no double entry required.
Getting Started Is Easy
- Sign Up Free: Create your account in seconds
- Enter Your Data: The Your Finances tab guides you through
- Run Calculations: See your success rate instantly
- Explore Scenarios: Test different strategies
- Upgrade When Ready: Unlock Charts, Analysis, and AI features
Free vs. Pro vs. Premium
| Feature | Free | Pro ($9/mo) | Premium ($19/mo) |
|---|---|---|---|
| Basic Calculations | ✅ | ✅ | ✅ |
| Monte Carlo | ✅ | ✅ | ✅ |
| Social Security | ✅ | ✅ | ✅ |
| Charts & Graphs | ❌ | ✅ | ✅ |
| What-If Analysis | ❌ | ✅ | ✅ |
| Tax Planning | ❌ | ✅ | ✅ |
| Advanced Calculators | ❌ | ❌ | ✅ |
| AI Advisor | ❌ | ❌ | ✅ |
| Legal Planning | ❌ | ❌ | ✅ |
Start Planning Today
Your retirement is too important to leave to chance. RetirePro gives you the clarity, tools, and confidence to take control of your financial future.
In our next article, we'll dive deep into RetirePro's financial tracking features: Budget management, Net Worth tracking, Tax Planning, and Mortgage analysis.
RetirePro is designed to help you make informed decisions about your retirement. While our calculations are based on sound financial principles, we recommend consulting with a qualified financial advisor for personalized advice.