Model your assets, income, withdrawals, and taxes across a full lifetime projection — entirely free, entirely private, entirely in your browser.
✦ No account required · Your data never leaves your device · Always free
What's included
Built for people who want real numbers, not feel-good estimates. Every feature is engineered around accuracy and transparency.
Year-by-year asset, income, and withdrawal modeling from today through age 100. Watch your portfolio evolve in real time.
FreeModel Checking, Savings, Stocks, Roth IRA, Mutual Funds, 401(k), TSP, and Crypto — each with custom growth rates and draw priorities.
FreeProgressive tax brackets with standard deduction. Iterative gross-up ensures withdrawals actually cover your tax liability.
FreeTotal assets, stacked breakdown with milestone annotations, income timeline with three view modes, and growth-to-retirement analysis.
FreeDownload your full projection as a formatted .xlsx with embedded chart images, inputs sheet, and currency-formatted data columns.
FreeSave and compare multiple retirement scenarios side-by-side. See how retiring at 55 vs 62 changes your lifetime picture.
ProHow it works
Input your age, assets, Social Security estimates, pension details, and contribution schedule. No account needed.
Assign annual growth rates to each account. Withdrawals follow a tax-efficient default order shown in the Capital Structure section.
Five charts and a full year-by-year table show your assets, income sources, withdrawals, and tax burden across your lifetime.
Download a formatted Excel workbook with your full projection and embedded charts to share with a financial advisor or spouse.
Pricing
The core calculator is always free. Pro unlocks the workflow tools that serious planners need.
Full calculator, no signup, ad-supported.
Ad-free, saved scenarios, full reporting suite.
For financial advisors managing multiple clients.
No signup. No credit card. Just your retirement, modeled.
Launch the Free Calculator →