Monte Carlo simulation, Roth conversion ladder, IRMAA forecasting, Social Security taxation, 13 model portfolios, Efficient Frontier.
Covers 30+ major US pension plans — UCRP, CalPERS, CalSTRS, FERS, military, NY/IL/OH/TX teachers, police & fire. Enter your salary, years of service, and retirement age to model possible outcomes using your plan's published formula. This is an educational estimate — verify with your plan administrator before any retirement decision.
Includes 30+ major plans — UCRP, CalPERS, CalSTRS, FERS, military, NY/IL/OH/TX teachers, police & fire. Enter salary + years + age, get annual/monthly estimate with vesting + survivor + cap rules built-in.
2,000 trials of your retirement plan under realistic market volatility. Shows P10/P50/P90 outcomes and success probability.
The "gap-year" planner. Models bracket-aware Roth conversions year-by-year during low-income years between retirement and RMDs.
Modern Portfolio Theory. 6 asset classes, covariance matrix, grid-searched. Finds the optimal long-only mix at any target return + the tangency (max-Sharpe) portfolio.
Boglehead 3-Fund · Dalio All Weather · Permanent Portfolio · Buffett 90/10 · Yale Endowment · Ivy · Larry Swedroe · Coffeehouse · and more. Compare allocations alongside your risk profile.
The Medicare premium surcharge that applies to retirees with higher MAGI — based on income from 2 YEARS PRIOR. The forecast helps you model scenarios for RMDs and Roth conversions; verify with a CPA before acting.
0%, 50%, or 85% of your SS benefits become taxable based on combined income. The full provisional-income calculation is modeled.
Required Minimum Distributions from age 73 (SECURE 2.0). Models the impact on your bracket + Medicare premiums + Social Security taxation.
An extra Roth contribution path (~$30,000/yr) available in some 401(k) plans. We walk through the requirements and the math.
For disabled beneficiaries who need to preserve SSI/Medicaid eligibility. Includes the 2026 ABLE Age Adjustment Act expansion (eligibility extends to age 46).
All tools are open to use. We're continuing to improve them based on real user feedback.
