How long will
your money really last?
Build a real plan, not a rough sketch. Model your accounts, income, and spending across the decades, then stress-test what you find. It's free, and there's no sign-up required to see how it works with real plans.
How Retirement Figures works
Build a baseline plan, test important decisions, and understand what drives your retirement outlook.
- 1
Build your baseline
Enter accounts, income, expenses, federal & state taxes, Social Security, pensions, healthcare, and retirement timelines.
- 2
Run realistic projections
Use Monte Carlo, historical return blocks, or deterministic planning to see a range of possible outcomes.
- 3
Test the big decisions
Compare Roth conversions, Social Security claiming ages, pension choices, ACA strategies, and withdrawal timing.
- 4
Understand the result
Review success rates, cash flow, taxes, withdrawals, ending balances, and the assumptions behind the projection.
Everything you need to build, test, and improve a plan
Core planning
- Build your retirement plan. Add accounts, debts, incomes, expenses, windfalls, real estate, and timelines with full flexibility.
- See your probability of success. Run thousands of simulations to understand how likely your plan is to succeed.
- Understand what drives your results. See clear summaries of your plan, including risks, tradeoffs, and key outcomes.
Tax & healthcare planning
- Federal + state taxes. Every year of your plan is taxed at both the federal and state level (all 50 states plus DC), including how Social Security, RMDs, and capital gains are taxed.
- Roth conversion strategies. Compare conversion approaches and see the tax tradeoffs now and in retirement.
- ACA, Medicare, and IRMAA. Estimate premiums, subsidies, and surcharges before and after age 65.
- Long-term care modeling. Add future care costs and see how they affect your cash flow and plan success.
- Advanced HSA strategies. Track delayed reimbursements and model tax-free growth in your plan.
Stress-test & optimize
- Test what-if scenarios. Adjust spending, income, debt payoffs, and more, and see how each change affects your plan.
- Optimize key decisions. Find the best Social Security, pension, and spending choices to maximize plan results.
- Compare multiple plans. Save separate strategies and compare alternatives without overwriting your baseline.
- Customize your assumptions. Set your own return and inflation rate assumptions to match your outlook.
Outputs & reports
- Cash flow visualization. See where money comes from and where it goes, by year or across your full plan.
- Year-by-year breakdown. Review annual income, expenses, taxes, withdrawals, and balances, and export to CSV.
- AI plan review. Get a second opinion that highlights risks and opportunities you might have missed.
- Shareable PDF report. Generate a clean printable summary to keep or share with an advisor.
Also free: standalone calculators for Social Security claiming, Roth conversions, pension lump sums, and home: own vs. rent.
It tells you where to look next
Most retirement tools stop at a success rate. Retirement Figures scans your year-by-year plan and flags the things you'd otherwise have to spot yourself.
- Success rate is 62%High
Below 70% means the plan has a meaningful risk of running out. Worth exploring before you lock in retirement timing.
→Plan Optimizer - 8.4% peak withdrawal rate at age 71Watch
A single-year rate above 8% is aggressive. Review whether it reflects a one-time draw, early-years overspending, or late-plan depletion.
→Results - Social Security starts 4 years after retirementInfo
Your portfolio carries the full load from age 63 to 67. The bridge years often deserve their own review.
→Social Security - Taxes jump 41% at age 72Info
Filing status changed to single after the first spouse's death, which compresses brackets and raises tax on the same income.
→Results
Insights recompute every time your plan changes. Dismiss the ones you've already handled - the next ones in line take their place.
See how one decision changes the whole plan
Not a single future number. The effect of a strategy change across success rate, lifetime taxes, and ending balance.
Baseline plan
- Success rate
- 74%
- Lifetime taxes
- $185k
- Median ending balance
- $420k
Roth strategy
- Success rate
- 81%+7 pts
- Lifetime taxes
- $172k-$13k
- Median ending balance
- $560k+$140k
Retirement Figures shows how a strategy moves the full plan: taxes, withdrawals, cash flow, and long-term outcomes, not just one number.
Built for early-retirement decisions
Retiring before 65 or 59 1/2 adds new planning problems. Model the ones that actually move the plan.
Pre-65 healthcare planning
Estimate ACA coverage costs before Medicare eligibility.
ACA-aware Roth conversions
See how conversions can affect taxes and subsidies.
72(t) / SEPP and Rule of 55 withdrawals
Model penalty-free early withdrawals from eligible retirement accounts before age 60.
Deferred HSA withdrawals
Delay HSA reimbursements and model when healthcare expenses are paid from your HSA.
Start with a free retirement plan
Build your baseline plan, explore the major tradeoffs, and upgrade only when you need advanced planning tools.