Map Your Future with Precision
The Retirement Modeler
The Retirement Modeler is a high-fidelity simulation tool designed to help you evaluate dozens of retirement scenarios. From Social Security optimization to inflation-adjusted asset drawdowns across three separate tax buckets, we provide the clarity you need to plan with confidence. The model incorporates a Monte Carlo analysis — running hundreds of randomized market simulations to model sequencing of returns risk and show the probability your assets last to age 100, not just a single projection.
Instant Modeler
Start modeling immediately. No account, no sign-up. All 12 steps are open to you — but your data clears when you close the browser.
Anonymous Save
Pick a username and password. Save your scenarios and return any time. No email, no identity — just a private alias you control.
Full Verified Account
Register with your email address. You'll receive a confirmation link with password recovery capability — the most secure option.
Your Data, Your Business
No Sensitive IDs
We never ask for Social Security Numbers or government IDs.
No Bank Links
We don't ask for the names of your financial institutions or account links.
General Dates
We don't require your exact birthdate — only your birth month and year.
Secure Storage
Registered users can save, encrypt, and return to their models at any time.
Prepare for Your Session
To get the most out of the modeler, please have the following information ready. Most users complete their full plan in 30–45 minutes.
- Your current total account balances (Qualified and Non-Qualified).
- Your estimated Social Security Full Benefit amount (at age 67).
- Any expected fixed income sources (Pensions, Rental Income, etc.).
Three Ways to Get Started
Instant Modeler
No account required. Access all 11 modeling steps immediately. Your data lives in your browser session and is automatically cleared when you close the browser — no trace left behind.
Anonymous Save
Choose a username and password — that's it. No name, no email, no identity. Your scenarios are saved to the database and available any time you log in. If you lose your password, the account cannot be recovered.
Full Verified Account
Register with a valid email to receive a confirmation link. Your email unlocks password recovery — if you ever forget your password, we can send a reset link. All scenarios are saved and accessible across devices.