About Retirement Planner
We believe everyone deserves a secure and comfortable retirement. Our mission is to provide free, sophisticated retirement planning tools that were once only available to wealthy individuals with financial advisors.
Our Story
Retirement Planner was created to address a critical gap in financial planning accessibility. While retirement is one of the most important financial milestones in life, most people lack access to advanced planning tools that can model complex scenarios and provide data-driven insights.
Traditional retirement calculators offer simple projections based on basic assumptions. We wanted to create something better—a tool that incorporates Monte Carlo simulations, Social Security optimization, tax modeling, and healthcare cost projections to give you a comprehensive view of your retirement readiness.
What Makes Us Different
Advanced Modeling
Our Monte Carlo simulations run 1,000+ scenarios to show you the range of possible outcomes, not just a single projection. This helps you understand the probability of success and plan for uncertainty.
Privacy First
Your financial data never leaves your browser. All calculations are performed locally, ensuring your sensitive information remains completely private and secure.
Comprehensive Features
From Social Security optimization to healthcare cost projections, we cover all the critical factors that impact your retirement. Our what-if scenarios let you test different strategies instantly.
Always Free
We believe financial planning tools should be accessible to everyone. Our calculator is completely free with no hidden fees, subscriptions, or premium tiers.
Our Approach to Retirement Planning
Retirement planning isn't just about saving money—it's about understanding how multiple factors interact to determine your financial security. Our calculator considers:
- Multiple Income Sources: Social Security, pensions, 401(k), IRA, and other retirement accounts
- Market Volatility: Monte Carlo simulations model realistic market conditions and sequence of returns risk
- Inflation Impact: Adjustments for rising costs throughout your retirement years
- Healthcare Costs: Projected medical expenses including Medicare premiums and out-of-pocket costs
- Tax Implications: Federal and state tax modeling for different account types
- Longevity Risk: Planning for longer lifespans and ensuring your money lasts
Who We Serve
Our retirement calculator is designed for anyone thinking about their financial future:
- Pre-retirees (50-65): Fine-tune your retirement strategy and optimize Social Security claiming decisions
- Mid-career professionals (35-50): Understand if you're on track and adjust your savings rate accordingly
- Early career savers (25-35): See the power of compound interest and set realistic retirement goals
- Recent retirees: Validate your withdrawal strategy and monitor your retirement plan's sustainability
Important Disclaimer
While our calculator uses sophisticated financial modeling techniques, it is designed for educational and planning purposes only. The projections and recommendations provided should not be considered professional financial advice.
Every individual's financial situation is unique. We recommend consulting with a qualified financial advisor or certified financial planner for personalized advice tailored to your specific circumstances, goals, and risk tolerance.
Ready to Plan Your Retirement?
Start using our free retirement calculator today and take control of your financial future. Get personalized projections in minutes.
Try the Calculator