Am I on track?
Plan your path to retirement.
Retirement planner for individuals and couples. Model taxes, healthcare, Social Security, and more.
Takes about 10 minutes to set up.
Dashboard
Your retirement at a glance
Net Worth
$540,000
Home Equity
$130,000
Annual Income
$125,000
Annual Spending
$65,000
Monthly Surplus
$5,000
Retirement Readiness
Money lasts through the plan
Am I on track?
Find out in 5 seconds.
Quick retirement check
4 numbers, 5 seconds. See where you stand.
50+
Tax scenarios modeled
1,000
Monte Carlo simulations
60-year
Planning horizon
100%
Client-side privacy
How it works
Three steps to see if you're on track.
Step 1
Create your free account
Sign up in seconds. No credit card, no financial accounts to connect.
Step 2
Enter your financial picture
Income, savings, Social Security, spending, healthcare — the planner walks you through it.
Step 3
See your projections
Year-by-year projections across conservative, moderate, and optimistic scenarios — instantly.
Personal & Couples Planning
See your complete financial picture
Whether you're planning solo or as a couple, model different retirement ages, income streams, Social Security claiming strategies, and spending goals. Watch how your plan evolves year by year across conservative, moderate, and optimistic scenarios.
See all planning features →Income vs. Spending (Moderate)
Year-by-year income by source vs. spending
Tax Breakdown · 2026
Federal + MI state + FICA
Roth conversion opportunity: $22K at 12% bracket
Tax Engine
Tax optimization that actually works
Federal + state tax brackets, Roth conversions, tax-loss harvesting, ACA subsidy optimization, and domestic partner vs. married filing jointly comparisons — all modeled in real time with auto-inflating brackets.
Explore the tax engine →Your data stays yours
We built this tool for ourselves first. Privacy isn't a feature — it's the foundation.
No financial accounts connected
You enter your numbers manually. We never ask for bank logins or account credentials.
We never sell your data
Your financial information is used only to generate your projections. No ads, no data brokers.
Free, no hidden costs
No premium tier, no credit card required, no trial that expires. The full tool is free.
Not financial advice
We provide educational tools and projections. Always consult a qualified professional for advice.
Monte Carlo
Model every scenario
Run 1,000 Monte Carlo simulations to see the full range of outcomes — conservative, moderate, and optimistic. Model barista FIRE, state relocation, and custom what-if scenarios with interactive sliders. Reproducible seeds let you re-run the same simulation.
Learn about simulations →Monte Carlo Simulation
1,000 scenarios based on historical returns
Portfolio Assets Over Time
Stacked areas = assets. Line = net worth.
Advanced Planning
Investment properties, 529 plans, and more
Model rental property income with depreciation and passive loss rules. Plan for private school by grade level, 529 contributions, and college costs. Include student loans and EITC in your complete financial picture.
See advanced features →Why not just use a spreadsheet?
Retirement planning is more complex than a simple calculation.
| Spreadsheet | Simple Calculator | Am I On Track | |
|---|---|---|---|
| Social Security timing optimization | ✗ | ✗ | ✓ |
| Federal + state tax brackets | ✗ | ✗ | ✓ |
| Roth conversion analysis | ✗ | ✗ | ✓ |
| Monte Carlo simulation | ✗ | ✗ | ✓ |
| Healthcare cost modeling | ✗ | ✗ | ✓ |
| ACA subsidy optimization | ✗ | ✗ | ✓ |
| Couples with different retirement ages | ✗ | ✗ | ✓ |
| Year-by-year projections | Manual | ✗ | ✓ |
| Inflation-adjusted brackets | ✗ | ✗ | ✓ |
| Free | ✓ | ✓ | ✓ |
Frequently asked questions
Is this really free?
Yes. The full tool is free — no premium tier, no trial, no credit card. We built it for ourselves and decided to share it.
Is my data safe?
You enter your financial details manually — we never connect to your bank accounts. Your data is stored securely and never sold to third parties.
How accurate are the projections?
The projections use real federal and state tax brackets, actual Social Security formulas, and your specific inputs. Monte Carlo simulations run 1,000 scenarios to stress-test your plan. That said, projections are estimates — not guarantees.
Can I plan as a couple?
Yes. The tool supports both individual and couples planning. For couples, you can model different retirement ages, separate Social Security claiming strategies, and compare married vs. domestic partner tax treatment.
Is this financial advice?
No. This is an educational planning tool. The projections help you understand your situation, but you should consult a qualified financial advisor before making major financial decisions.
How long does it take to set up?
About 10 minutes. The onboarding wizard walks you through entering your income, assets, spending, and Social Security information step by step.
Ready to plan your retirement?
Private and secure. See your projections in minutes.
Your data syncs across devices.