Pricing
The full calculator. Free, forever, no signup.
Runs in your browser, no signup needed. Pro adds saved scenarios, state taxes, and the PDF report when you want more.
Free
$0
Free forever
Full calculator, no signup required.
- Full lifetime projection engine
- 5 account types + growth rates
- 2026 federal tax modeling
- 4 interactive charts
- Excel export with charts
Free · No signup · Runs in browser
Nothing is sent to our servers. Your numbers stay on your device.
The full toolkit
Pro
The full toolkit for serious retirement planning.
- Everything in Free
- Save & revisit up to 50 scenarios
- Compare plans & withdrawal strategies side-by-side
- Professional PDF reports for your advisor
- 50-state tax modeling
- Stress-test your plan against historic market crashes
- Monte Carlo simulation: thousands of market scenarios run on your plan
- Social Security timing & longevity: best claim ages 62–70 for singles or couples, with survivor-benefit modeling, weighted by your survival odds
- Roth conversion analysis: find the years a conversion pays off
- Strategy Optimizer: the Roth conversion plan with the lowest lifetime tax bill
- Spending phases: model changing expenses by age
For comparison
Fee-only advisor plan
$2,000+
Comparable software
$108–$144/yr
Drawdown Arc Pro
$99/yr
Verified federal + 50-state tax math, audited yearly — not the “directional” estimate rivals ship.
30-day money-back guarantee · Cancel anytime
Pro scenarios save to our server so you can revisit them across devices. We never sell or use your data.
- No credit card for Free
- 30-day money-back guarantee on Pro
- Cancel anytime
- Runs in your browser
Need team or advisor features? Let us know
Pro at work
Stress-test your plan. Seventeen-page projection report.
The simulation gives you the range; the report gives you a copy to print, share, or take to a meeting.
5,000 simulations
17-page report
Pro also adds historic stress testing (2000–2002, 2008), Roth conversion analysis, and side-by-side scenario comparison.
Line by line.
Free vs Pro.
| Feature | Free | Pro |
|---|---|---|
| Core Calculator | ||
| Full lifetime projection (age → 100) | ✓ | ✓ |
| 5 account types | ✓ | ✓ |
| Custom growth rates per account | ✓ | ✓ |
| Social Security + COLA modeling | ✓ | ✓ |
| Pension / annuity income | ✓ | ✓ |
| Inflation-adjusted spending | ✓ | ✓ |
| 2026 federal tax engine (all filing statuses) | ✓ | ✓ |
| See your state tax impact | Pro | ✓ |
| Choose which accounts to draw from first | ✓ | ✓ |
| Charts & Visualization | ||
| Stacked asset breakdown with annotations | ✓ | ✓ |
| Income timeline | ✓ | ✓ |
| Early retirement sensitivity chart | ✓ | ✓ |
| Export & Reports | ||
| Excel export (data + charts) | ✓ | ✓ |
| Professional 17-page PDF report | Pro | ✓ |
| Scenarios & Planning | ||
| Save & revisit retirement scenarios | Pro | Up to 50 |
| Compare two plans side-by-side | Pro | ✓ |
| Spending phases model changing expenses by age | Pro | ✓ |
| Analysis & Simulation | ||
| Portfolio stress testing historic market crashes | Pro | ✓ |
| Monte Carlo simulation thousands of market scenarios | Pro | ✓ |
| Social Security timing & longevity best claim ages 62–70, singles or couples, survivor benefits, survival-weighted | Pro | ✓ |
| Roth conversion analysis find years a conversion pays off | Pro | ✓ |
| Strategy Optimizer best Roth conversion plan by lifetime tax | Pro | ✓ |
| Experience | ||
| Account required | No | Yes |
Straight answers,
before you decide.
Yes. The core calculator (projections, charts, Excel export, tax modeling) will always be free. We believe everyone deserves access to professional-grade retirement planning tools, not just those who can afford a financial advisor.
No account required. Open the calculator, enter your numbers, and you're done. Everything runs in your browser. Your data is never sent to our servers. A Pro account is required to enable saving and syncing scenarios.
Most free retirement calculators give you a single number or a color-coded gauge based on one or two inputs. Drawdown Arc builds a full year-by-year projection across multiple account types, with real federal tax math, Social Security modeling, and withdrawal sequencing. Pro adds state taxes, saved scenarios, PDF reports, and side-by-side comparison, tools that typically require a paid advisor relationship or expensive planning software.
Federal: 2026 IRS brackets, standard deductions, IRMAA thresholds, and capital gains breakpoints. State: verified 2025 data for all 50 states and DC, audited against Tax Foundation's annual tables. Every state source is cited in the codebase, and we update when the IRS or state DORs publish new brackets. State and federal tax years can diverge because state DORs publish on different schedules than the IRS, which is intentional.
Year by year from your current age to age 100. Each year applies growth to your accounts, contributions if you're still saving, Social Security and pension income, inflation-adjusted spending, withdrawals from your accounts in your chosen priority order, RMDs starting at age 73, and an iterative federal and state tax gross-up that converges within a dollar. See the How It Works page for the full breakdown.
You enter your balances by hand, and that is on purpose. Connecting to brokerages would require us to store your credentials and account values, which is the opposite of how this product is built. On Free, nothing leaves your browser. On Pro, only the scenarios you save are stored on our server, and we never sell or use that data.
We offer a 30-day money-back guarantee, no questions asked. You can also cancel anytime from your billing portal. You'll keep Pro access through the remainder of your paid period. After that, your saved scenarios stay in read-only mode for 30 days so you can export them before reverting to the free tier.
No. Drawdown Arc is a modeling and projection tool, not a registered investment advisor. All outputs are estimates based on your inputs and simplified assumptions. Consult a qualified financial advisor before making major retirement decisions. See our About page for full disclosure of assumptions and limitations.