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.
When can I retire?
Model the full path from today through end-of-plan and pinpoint the earliest year your portfolio holds — before tight years become dangerous ones.
What should I change first?
Test retirement age, Social Security timing, spending, allocation, and Roth strategy side by side instead of guessing.
How do I reduce taxes over time?
See bracket pressure, IRMAA exposure, conversion room, and withdrawal sequencing in the same model.
Why This Is Different
More than a portfolio analyzer
Recommendations, not just charts
The advisor can run scenarios, compare strategies, and suggest changes you can apply directly to your plan.
Withdrawal sequencing matters
Taxable, 401(k), Roth, and cash interact. RetireCalc models the order instead of treating withdrawals like one generic bucket.
Retirement is a tax problem too
Federal ordinary tax, LTCG, state tax, IRMAA, RMDs, and Roth conversion funding all show up in one place.
Built for decision-making
The goal is not to tell you what you own. The goal is to tell you what to do next and what it changes.
Trust Layer
Finance products need receipts
Every serious retirement tool has to answer the same question: why should I trust this output? RetireCalc should make that answer obvious.
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Methodology and assumptions are visible.
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No AUM pitch, no advisor handoff, no account linking required.
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You can inspect every year, every tax component, and every draw.
See The Calculation Approach