Professional retirement planning
The retirement calculator
that doesn't stop
at the chart.
22 planning modules. CFP-grade math. Runs entirely in your browser.
Free to start — no account, no data collected, nothing to install.
When you're ready to go deeper, the full plan is $2.42/month.
Simple, transparent pricing
Snapshot is free.
Planner is $2.42/month.
Snapshot shows you where you stand. Planner shows you what to do about it. Both run entirely in your browser — private, secure, no account required to get started.
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Currently in public beta — full tool available to explore free.
All 22 planning modules are open and fully functional during beta. The
Planner tier with premium features, saved reports, and advisor sharing
is launching Summer 2026. Try everything now at no cost.
Free — always
Snapshot
$0
Shows you where you stand. No credit card ever.
- ✓Portfolio projection & growth chart
- ✓Household income & spending inputs
- ✓Retirement readiness score
- ✓Income replacement ratio panel
- ✓Basic Social Security input
- ✓Net worth balance sheet
- ✓Savings rate analysis
- ✓One saved scenario
- ✓100% private — nothing ever leaves your device
- —Social Security optimizer & break-even
- —Monte Carlo simulation
- —Roth conversion optimizer
- —RMD cascade & IRMAA analysis
- —Estate & beneficiary planning
Open free calculator →
Premium — coming soon
Planner
$29
$29/year · less than a cup of coffee per month · cancel anytime
- ✓Everything in Snapshot, plus:
- ✓Social Security optimizer — break-even, spousal & survivor
- ✓Monte Carlo simulation — 1,000+ scenarios
- ✓Roth conversion optimizer
- ✓Bracket & IRMAA analyzer
- ✓Withdrawal sequencing — Taxable → Traditional → Roth
- ✓RMD cascade & year-by-year projections
- ✓Estate & beneficiary planning — TCJA sunset flags
- ✓Healthcare gap / pre-Medicare bridge
- ✓Charitable giving — QCDs & Donor-Advised Funds
- ✓Spending smile / phased retirement
- ✓Debt payoff vs. invest analysis
- ✓Life insurance needs analysis
- ✓Education funding — 529 projections
- ✓Pension & bridge income modeling
- ✓Unlimited scenario saves & comparison
- ✓Saveable reports — export & share with your advisor
Launching Summer 2025 — see beta note above
22 planning modules
Every question answered.
Not just the first one.
Most calculators stop at the projection. MyRetirement.io goes further — into the tax strategy, the Social Security timing, the estate exposure, and the withdrawal sequencing that could be worth tens of thousands of dollars to get right.
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Multi-Account Household Planner
Model Roth, Traditional (Qualified), and Taxable (Non-Qualified) accounts for two people independently — then combined into one household projection. Each account type applies the correct tax treatment automatically.
Snapshot
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Social Security Optimizer
Explore every claiming age from 62 to 70. Break-even analysis, spousal benefit calculation, and survivor benefit modeling. Claiming at 70 vs. 62 can differ by $300K over a lifetime.
Planner
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Monte Carlo Simulation
Run 1,000+ retirement scenarios with randomized market returns to model sequence-of-returns risk. See your survival probability, median outcome, and the 10th-percentile worst case.
Planner
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RMD & Tax Planning
Year-by-year Required Minimum Distribution cascade starting at age 73. See which years forced withdrawals exceed your spending — and how that affects your tax bracket and Medicare IRMAA surcharges.
Planner
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Spending Phases
Model the retirement "spending smile" — higher spending in active early years, lower in the settled middle, higher again for late-life healthcare. More accurate than flat annual spending assumptions.
Planner
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Estate & Beneficiary Planning
Federal and state estate tax exposure, step-up in basis value, charitable bequest modeling, and a 9-item beneficiary document checklist — drawn from your balance sheet automatically.
Planner
$2.42
Per Month for Full Plan
How it works
Three steps to your
first projection.
The tool guides you through the inputs that matter most. Fill in what you know — the sidebar updates your results in real time as you go.
01 — Market & Macro
Set your growth assumptions
Enter your expected CAGR, inflation rate, and marginal tax rate. These three inputs drive every projection. Sensible defaults are pre-filled — adjust them to match your outlook.
02 — Your Accounts
Add your investment accounts
Enter current balances and annual contributions for each account — Roth, Traditional (Qualified), or Taxable (Non-Qualified). Add accounts for your spouse if applicable. Each type is taxed correctly in the simulation.
03 — Income & Spending
Set your retirement target
Enter your desired annual spending, Social Security benefit, and retirement horizon. The sidebar immediately shows your portfolio at retirement, how many years it sustains your withdrawal, and your plan's readiness score.
No account. No credit card. No catch.
See where you stand.
Then own the plan.
Start with the free Snapshot — your retirement picture in under five minutes. Upgrade to Planner when you're ready to turn that picture into a strategy worth tens of thousands of dollars to get right.
Start planning free →
Works in any modern browser. All data stays on your device.