A retirement modeler that handles what most calculators skip: married couples, side-by-side scenarios, tax-aware withdrawals across qualified and non-qualified accounts, inheritances, and a Monte Carlo estimate of whether your money actually lasts.
Ages, income, savings by account type, Social Security — for you and your spouse.
Retire at 62 vs 65. Weaker markets. Higher spending. A move to Florida.
Year-by-year projections plus a Monte Carlo probability that your money lasts.
A Monte Carlo simulation runs 1,000 return paths to estimate the odds your money actually lasts — not just one smooth average.
Compare up to three plans at once — retire at 62 vs 65, stronger or weaker markets, more spending, a different state.
Models the first death — the switch to single filing, the survivor Social Security benefit, and the IRA rollover.
Independent ages, incomes, retirement dates, and Social Security for each spouse.
Tax-deferred, Roth, and taxable accounts drawn down in tax-efficient order, with RMDs forced on schedule.
Claiming-age timing, inflation adjustments, and pensions with survivor benefits.
An expected inheritance for each person as an optional, timed lump sum.
All 50 states plus DC, with an optional mid-retirement move.
Runs entirely in your browser — no signup, nothing leaves your device.
Enter your situation, compare a few scenarios, and get an honest read on whether your savings will carry you through retirement.