Year-by-year projections
Withdrawals, income, taxes, expenses and net cash flow for every year of the plan. Open any year to see the full breakdown.
Free retirement scenario planner
RetireScenarios projects your balances, taxes and cash flow for every year from retirement to the end of your plan. Try different what-ifs, compare them side by side, and stress-test them against bad markets before you commit to one.
A spreadsheet can tell you what you have today. RetireScenarios shows what happens next, one year at a time, and lets you change one thing and see what moves.
Follow your portfolio to the end of your planning horizon and see the years where cash flow runs short.
The order of withdrawals from taxable, traditional and Roth accounts can change your lifetime tax bill.
Model conversions year by year and see the tax you pay now against the tax you avoid later.
Schedule bear markets and corrections, or switch to pessimistic returns, and see how the plan holds up.
Copy a scenario, change the dates, and compare the two side by side.
Set each person's start age, COLA and a confidence factor, and see what each choice does to the years that follow.
Screens from the planner, showing a sample couple who plan to retire in 2027 with $1.7 million across four accounts.
Built for the details that simple calculators leave out.
Withdrawals, income, taxes, expenses and net cash flow for every year of the plan. Open any year to see the full breakdown.
Federal brackets by filing status, state income tax for all 50 states and DC, bracket inflation over time, and required minimum distributions.
Smart Sequence draws from taxable, then traditional, then Roth. Or write your own rules by account, amount or percentage, and age range.
Plan conversions by year, or let the optimizer fill a tax bracket of your choice while it keeps an eye on Medicare IRMAA tiers.
Recurring bear markets and corrections with your choice of size, timing and recovery period. Flip any scenario to pessimistic or optimistic returns.
Run 5,000, 10,000 or 50,000 simulations to see the range of outcomes market volatility could produce, not just one average path.
Keep up to five scenarios and compare them side by side: portfolio at years 10, 20 and 30, first-year cash flow and average tax burden.
Plan for one or two people. Accounts and income belong to a person, so RMDs and Social Security start at the right age for each.
Export a multi-page PDF to share with your advisor. Back up to a password-protected file that also restores in the RetireScenarios iOS app.
A setup wizard walks you through the basics the first time you open the planner.
Enter birth dates, your state, and your federal filing status.
Enter traditional, Roth and taxable balances with expected returns, plus Social Security, pensions and annuities.
Start with base annual spending in today's dollars, then add line items with their own inflation rates and age ranges.
Read the dashboard and year-by-year table, then copy the scenario and change one thing to see what it does.
You don't need an account to use RetireScenarios, and your plan isn't stored on a server. Everything runs in your browser.
Your scenarios are saved in this browser and encrypted at rest with AES-256-GCM.
Download a backup file whenever you like, with an optional password. Keep it somewhere safe: clearing your browser's site data also clears your plan.
Every feature is available in the web version at no cost.
No. It's an educational planning tool. Projections are estimates, not predictions. Use it alongside a qualified financial planner or tax advisor before you make decisions.
A 30-year forecast can't be accurate to the dollar. Rounding keeps the focus on trends that matter. Enter your inputs as precisely as you like.
In your browser's local storage on this device, encrypted. It isn't sent to us. To move a plan to another browser or device, create a backup and restore it there.
Yes. The planner works in any modern browser on desktop, tablet or phone. Backups also move between the web version and the RetireScenarios iOS app.
Federal income tax uses the brackets and standard deduction for your filing status, adjusted each year by the bracket inflation rate you choose. State tax uses your state of residence. Traditional withdrawals, Roth conversions and RMDs are taxed as ordinary income.
Up to five, so you can test several strategies against each other.
The setup wizard gets a first scenario running in a few minutes. You can refine it from there.
Open the planner