Model multiple retirement scenarios with Monte Carlo simulations, Social Security optimization, and inflation-adjusted projections.
Run 10,000+ randomized scenarios against historical market data to calculate your probability of meeting retirement goals under varying market conditions.
Model the impact of claiming at 62, 67, or 70. See how spousal benefits, inflation adjustments, and taxation affect your total lifetime benefit.
Optimize your withdrawal sequence across traditional IRAs, Roth accounts, and taxable portfolios to minimize lifetime tax liability and maximize after-tax income.
Our retirement planner accounts for the complexity of real life — not just simple growth rate assumptions. Every scenario incorporates:
Income Streams: Salary, Social Security, pensions, rental income, part-time work, and investment dividends with their own growth and tax characteristics.
Expense Modeling: Pre-retirement spending, post-retirement adjustments, healthcare cost escalation, and one-time expenses like home purchases or weddings.
Tax Planning: Federal and state brackets, capital gains treatment, RMD calculations, Roth conversion ladders, and net investment income tax.
Market Scenarios: Bull, bear, and sideways markets. Sequence-of-returns risk. Inflation ranging from 2% to 6%. Interest rate environments.