Retirement Decision Engine
When can I retire?
Find out now!
RetireCalc runs the numbers year by year — income, taxes, withdrawals, Roth conversions, IRMAA, and portfolio balances — so you can answer the one question that matters with precision, not guesses.
Year-by-year
tax, income, draws, and balances
Actionable
recommendations with quantified changes
Tax-aware
federal, state, IRMAA, Roth, RMDs
No gatekeeping
build and test scenarios yourself
Example Action Plan
What users actually want
Not a pie chart. Not a vague score. A ranked list of decisions with tradeoffs and dollar impact.
1
Delay Social Security from 67 to 70 to raise guaranteed income and improve late-plan resilience.
2
Use Roth conversions between retirement and RMD age while bracket room is still available.
3
Shift more withdrawals to taxable early if preserving Roth flexibility improves later-year IRMAA outcomes.
4
Hold 1-2 years of spending in cash to reduce forced selling during bad sequence years.
The AI advisor already supports scenario runs, comparisons, and one-click setting changes inside the plan.