Will your savings
last through retirement?
Get a clear answer in 60 seconds. Free retirement calculator with Monte Carlo simulation, Social Security optimization, and tax-aware projections — built by a financial professional, not a marketing team.
Free forever · No credit card · Your data stays on your device
They want the full picture, not just a quick estimate.
How It Works
Get started in minutes, not hours
Enter Your Data
Input your current savings, income, expenses, and retirement goals. We'll do the heavy lifting.
Analyze & Plan
See your retirement projections, Social Security estimates, and income gap analysis in real-time.
Optimize & Grow
Use AI insights and Monte Carlo simulations to optimize your strategy and build confidence.
Everything You Need to Retire with Confidence
Professional-grade tools designed for retirement planning
Portfolio Tracking
Track all your retirement accounts in one place. Real-time values, asset allocation, and growth tracking.
Income Forecasting
Project your retirement income 5, 10, or 30 years into the future with customizable assumptions.
Monte Carlo Analysis
Run 1,000 simulations to understand your probability of success in any market condition.
AI Advisor
Get personalized insights and recommendations powered by AI that understands your unique situation.
Social Security Optimizer
Find the optimal age to claim Social Security benefits and maximize your lifetime income.
Tax Strategy
Model Roth conversions, tax-smart withdrawal order, and capital-gains-aware projections to minimize lifetime taxes.
Simple, Transparent Pricing
Start free, upgrade when you're ready
Most households outgrow the free tier once they want unlimited accounts, 30-year projections, and full Monte Carlo analysis.
Free
Best for: Testing your retirement plan with 3 accounts
- ✓ Basic retirement summary
- ✓ Social Security estimator
- ✓ Up to 3 accounts
- ✓ 5-year projections
- ✓ Community support
Pro
Best for: Most households that want a real retirement answer
- ✓ All Free features
- ✓ Full Monte Carlo analysis (1,000 scenarios)
- ✓ Unlimited accounts
- ✓ Social Security claiming optimizer
- ✓ 30-year projections
- ✓ Tax optimization tools
- ✓ Advanced net worth tracking
- ✓ Budget planning & tracking
- ✓ Mortgage calculator
- ✓ Cloud sync & JSON export
- ✓ Professional HTML reports
- ✓ Email support
30-day money-back guarantee · cancel anytime
Premium
Best for: People who want guidance beyond projections
- ✓ All Pro features
- ✓ AI Retirement Advisor (Grok-powered)
- ✓ Estate Tax Calculator
- ✓ Inheritance Distribution Calculator
- ✓ Trust Planning Calculator
- ✓ Estate Planning Checklist Generator
- ✓ Professional PDF reports
- ✓ Advanced scenario modeling
- ✓ Priority support
- ✓ Early access to new features
30-day money-back guarantee · cancel anytime
Compare Plans
| Feature | Free | Pro | Premium |
|---|---|---|---|
| Accounts | Up to 3 | Unlimited | Unlimited |
| Retirement Projections | 5 years | 30 years | Unlimited |
| Monte Carlo Analysis | Summary only | Full (1,000 scenarios) | Full (1,000 scenarios) |
| Social Security | Basic estimator | Full optimizer | Full optimizer |
| Tax Optimization Tools | — | ✓ | ✓ |
| Net Worth Tracking | Basic | Advanced | Advanced |
| Budget Planning & Tracking | — | ✓ | ✓ |
| Mortgage Calculator | — | ✓ | ✓ |
| Data Export/Import | — | JSON | JSON |
| Cloud Sync | — | ✓ | ✓ |
| Report Generation | — | HTML | PDF + HTML |
| AI Retirement Advisor | — | — | ✓ (Grok-powered) |
| Estate Tax Calculator | — | — | ✓ |
| Inheritance Distribution Calculator | — | — | ✓ |
| Trust Planning Calculator | — | — | ✓ |
| Estate Planning Checklist | — | — | ✓ |
| Support | Community | Priority |
🔒 Your Security is Our Priority
Secure Payments
All payments processed by Stripe. We never see or store your card details.
Data Privacy
Your financial data is encrypted and private. We never sell your information.
Money-Back Guarantee
Not satisfied? Get a full refund within 30 days, no questions asked.
Ready to Plan Your Dream Retirement?
Start free now, then upgrade when you need the full picture.
Start FreeFree: Retirement Readiness Checklist
Get the 12-point checklist plus one actionable retirement tip every Monday. No spam, unsubscribe anytime.
Frequently Asked Questions
Got questions? We've got answers.
Built for people who actually retire soon
A serious planning tool for people 5–15 years from retirement who want a clear picture, not a sales pitch.
“I built RetirePro because the tools I tried either oversimplified the math or buried it behind a $3,000 advisor engagement. I wanted to see the real numbers — taxes, RMDs, Social Security timing, and how long the money actually lasts — and be able to change one assumption and watch everything update. No account linking, no sales calls, no selling your data. Just the honest math.”
Built by a financial professional
Real retirement math — RMDs, Social Security taxation, capital gains, and Roth conversions — not a generic savings calculator.
Transparent methodology
Every assumption and formula is documented. See exactly how each projection is calculated before you trust a single number.
Current IRS & SSA rules
Tax brackets, standard deductions, RMD tables, and Social Security formulas follow current U.S. federal rules.
Your data stays yours
Calculations run in your browser. Nothing is uploaded unless you turn on cloud sync — and we never sell your data.
No sales pitch
We don’t sell financial products or take commissions. The tool’s only job is to show you the honest numbers.
Try it risk-free
Start free with no credit card. Every paid plan includes a 30-day money-back guarantee.
Already using RetirePro? Share your story — we feature real, opted-in customer experiences here.
Free gets people started. Pricing shows the line where Pro and Premium unlock the real planning tools.