ModelRetirement Try it free

A retirement decision engine

Most tools turn your decisions into a number.
ModelRetirement turns your numbers into a decision.

The power to plan your own retirement, with professional-grade tools built for the DIY planner.

ModelRetirement tests your plan against over 100 years of real market history, shows how each choice plays out, and points to your best next move, in plain language.

See it on your own numbers See how it works

Free to try · No credit card · Full access

ModelRetirement outcomes heatmap: a plan's results shaded from strain (red) to safe (green) across retirement ages and historical market start years.
Each column replays a real market sequence starting today (this year like 1967, next like 1968, and so on); each row is a retirement age. Green holds up, red falls short. You can't control how the markets unfold, but you can control when you retire, cutting sequence-of-returns risk: in this sample plan, retiring at 62 fails 2 sequences, waiting one more year clears them all.

What a decision looks like

A “probability of success” tells you if.
A decision engine shows you what to do, and why.

A success number

…now what?

A decision engine

  • Which age to retire
  • When to claim Social Security
  • How to draw down, and whether to convert to Roth

…explained in plain language.

Is ModelRetirement for you?

Built for people who want to understand their retirement

A good fit if

  • You already keep track of your own finances
  • You want to understand your retirement, not just get a score
  • You’re willing to spend 30 to 40 minutes exploring the decisions

Probably not, if

  • You want someone to manage your investments for you
  • You just want a quick score, not the reasons behind it

How it's built

Real rules. Real history. Your outcome, nothing else.

Built on the real rules

Federal and state income tax, FICA payroll taxes, capital gains and the Net Investment Income Tax (NIIT), RMDs, Social Security, and Medicare with IRMAA surcharges, all from the official figures.

Tested across 100+ years of market history

Real bull and bear sequences replayed from history, not random Monte Carlo draws, so results are reproducible: run it again and you get the same answer.

One aim: a stronger retirement for you

Every recommendation is ranked only by how much it improves your plan; we don't sell products or earn commissions.

How it works

From guesswork to a clear answer

See the full range of outcomes

Not one score. Your plan is run through every year of real market history, so you see the full range of outcomes: the typical result, the worst case, and everything in between.

Overview screen: a plan-success gauge with median, worst-case and best-case outcomes across market histories.
Portfolio projection fan chart: shaded percentile bands from the 5th to the 95th percentile widening over time, with the median line.

Understand cause and effect

Change an assumption and watch it ripple through your plan. Build real intuition for the trade-offs behind each choice.

What-If Explorer: a metrics comparison table plus an overlay chart of three scenarios' median and worst-case portfolio paths.

Know your next best move

A clear, ranked recommendation for the single change that most improves your plan, explained in plain language, ready to apply.

Analyze panel: a success gauge beside a ranked list of the changes that most improve the plan.

Coordinate the taxes

Detailed, year-by-year tax modeling: federal brackets, state tax, capital gains, RMD spikes, and the Medicare premiums and IRMAA surcharges your income drives. It coordinates the decisions you control, withdrawal order, Roth conversions, and Social Security timing, across every U.S. state.

Annual tax burden and healthcare costs chart: ordinary, capital-gains and state income tax plus healthcare and Medicare cost, stacked by year, peaking during the RMD years.

The result

A plain-language plan you can act on

ModelRetirement plan report — 'Your Retirement Plan: Where You Stand' — a plan-strength gauge with a plain-language summary of what it means and the best next move.
The plan report translates the analysis into a plain-language plan. Example from a sample plan.

Honest access

Try everything before you pay

Build a real, complete plan free

Enter all your accounts and income, no artificial caps on your plan. Your results are the real results, not a teaser.

No credit card. No trial to cancel.

Sign in and start. Nothing to remember to cancel, no surprise charge. Experience the full toolset first, then decide.

Your accounts stay yours

We don’t require linking your bank or brokerage. You’re in control of what you share.

Start planning your retirement

Build your complete plan with the full toolset, free. No credit card, no account linking.

Free to try · No credit card · We’ll never require linking your accounts.

Open ModelRetirement on a computer or tablet to get started. It’s built for a focused planning session, not a phone.