Retirement planning that understands your taxes.
The only free, fully-local retirement planner with deep federal tax modeling, Monte Carlo simulation, and historical backtesting — from 1871 to today.
Everything you need. Nothing you don't.
Built for people who want real planning depth — without a $150/yr subscription, bank-account linking, or 250 confusing inputs.
100% Private & Local
Nothing ever leaves your device. Your plan lives in your browser — no accounts, no tracking, no servers — and you can export or back it up as a file anytime.
A Real Federal Tax Engine
Actual IRS brackets, Social Security taxation, capital-gains rates, the 3.8% investment-income surtax, Medicare premium cliffs, required withdrawals, and health-insurance subsidy interactions — updated yearly for 2024–2026 rules.
Three Ways to Test Your Plan
A year-by-year base-case projection, a Monte Carlo simulation of 5,000–10,000 possible futures, and a historical backtest against every starting year since 1871.
Built for Couples
Models what happens when one spouse dies: taxes jump as filing switches to Single, Social Security steps up to the survivor benefit, and brackets shrink.
5 Withdrawal Strategies
Sequential, proportional, tax-aware Roth bracket-fill, Guyton-Klinger guardrails, and age-based variable withdrawal — compare up to 10 setups side-by-side.
Financial Wellness Score
19-metric holistic grade (A–D) with actionable insights — like a credit score for your retirement health.
Three things no other free tool does.
These aren't nice-to-haves — they're the difference between a plan that works on paper and one that survives contact with reality.
When the first spouse dies, filing status flips from Joint to Single — brackets and the standard deduction collapse, and taxes often rise. No other free tool shows those years explicitly.
If you rely on marketplace health insurance before 65, a Roth conversion quietly costs you premium subsidies too. We count that hidden cost — most tools, even paid ones, skip it.
When one spouse passes, the survivor automatically receives the higher of their own benefit or their deceased spouse's benefit — including any delayed retirement credits and cost-of-living adjustments.
From zero to plan in minutes.
Enter your household
Answer seven short steps — household, people, accounts, income, spending, and assumptions. Works for singles and couples.
See your projection
Year-by-year cash flow, tax breakdown, and chance-of-success from Monte Carlo simulation — all in under a second.
Stress test & compare
Replay your plan against every year since 1871, and compare up to 10 setups side-by-side.
Built on public-domain data. Not black-box estimates.
Every number traces back to an IRS Revenue Procedure, SSA bend point, or Shiller dataset. Tax rules are stored year by year and grown with inflation after that — indexed where the law indexes, frozen where it doesn’t.
Your retirement deserves better than a spreadsheet.
Start building your tax-aware plan in minutes. No sign-up, no data collection, no subscription. Just clarity.