Most retirement calculators stop at a single gross "Can I retire?" number. Model tax-smart 401(k)/Roth/Brokerage drawdowns, 2-year Medicare IRMAA lookbacks, CCRC housing transitions, and actual-vs-plan withdrawal throttling—100% locally in your browser with zero cloud tracking.
Your net worth, tax brackets, and account balances never touch a remote server or cloud database.
No Plaid credentials, no brokerage logins, and no harvesting of your family's financial data for advisor lead-gen.
Auto-saves to browser `localStorage` plus unlimited `.json` profile exports and a self-contained offline HTML app.
Stop paying $120–$250/year for SaaS subscriptions. Own the simulator and companion execution spreadsheet forever.
Every parameter—from filing status and standard deductions to biweekly contribution splits and CCRC equity refunds—is 100% editable.
Models 26 biweekly drawdowns per year using an institutional withdrawal hierarchy: satisfies mandatory RMDs first, fills your remaining 12% ordinary income bracket room from Pre-Tax 401(k), then taps Taxable Brokerage (tracking dynamic cost basis) and Roth before spilling back into higher tax brackets.
Tracks your Modified Adjusted Gross Income (MAGI) with an authentic 2-year Medicare lookback. Automatically calculates Part B & Part D surcharges across all 5 IRMAA tiers and shades warning bands directly onto your withdrawal chart so you can spot MAGI cliffs years in advance.
Projects compounding home value appreciation, models a downsizing cash-out infusion into your brokerage basis at any target age, and deducts Continuing Care Retirement Community (CCRC) entrance fees—complete with optional HSA funding and refundable equity contract credits (50%–100%).
Separates your Health Savings Account from ordinary retirement balances. Models pre-retirement family or individual contributions, tax-free investment growth, automated late-life medical spending drawdowns (e.g., age 80+), and tax-free HSA funding for one-time LTC or housing events.
Retirement spending isn't flat. Chain together unlimited pre-retirement contribution stages (with per-period free-spend cash tracking) and sequential Go-Go, Slow-Go, and No-Go withdrawal phases—each with its own target percentage rate, minimum floor, and maximum spending cap.
Export your entire 40+ column year-by-year projection—including account snapshots, RMD excess, ordinary vs. capital gains taxes, IRMAA tiers, and every underlying assumption—as a structured JSON or CSV file ready to drop into ChatGPT, Claude, or Gemini for deep analysis.
A static retirement plan becomes obsolete on January 2nd. The Execution Suite pairs the interactive HTML simulator with a companion spreadsheet bridge so you know exactly how much to withdraw each year.
In the Pro Execution Suite, clicking any year on the top Portfolio Balance chart automatically formats that year's exact age, target withdrawal rate, inflated 401(k), Roth, and Brokerage balances, spreadsheet formula (=SUM(C4:C6)), floor/cap guardrails, and inflation rate directly to your clipboard.
Use the Free Edition as long as you like for high-level trajectory planning, or unlock the full Pro Execution Suite for tax, healthcare, housing, and annual spreadsheet execution.
| Capability / Module | Free Edition ($0) | Pro Suite ($89 One-Time) |
|---|---|---|
| Custom Start/End Ages, Filing Status & Today's vs. Future Nominal $ Toggle | ✓ Included | ✓ Included |
| Interactive Chart Hover Breakdowns & Drag-to-Select Age Range Summary Popup | ✓ Included | ✓ Included (w/ Tax & IRMAA) |
| Pre-Retirement Accumulation Stages & Sequential Withdrawal Phases | 1 Stage & 1 Phase | Unlimited Dynamic Stages |
| Tax-Smart 12% Bracket Filling, Brokerage Cost Basis & Uniform Table RMDs | 🔒 Gross Only | ✓ Full Multi-Account Tax Engine |
| Medicare IRMAA 2-Year Lookback Surcharges & Visual Chart Warning Bands | 🔒 Pro Only | ✓ All 5 Tiers + Chart Shading |
| Home Equity Downsizing Cash-Out & CCRC Buy-In + Refundable Equity Credits | 🔒 Pro Only | ✓ Included |
| Dedicated HSA Projection Track, Age 80+ Medical Spend & One-Time Liquidity Events | 🔒 Pro Only | ✓ Included |
| Companion Execution Spreadsheet Sync (`Copy Expected Balances` + Chart Click-to-Copy) | 🔒 Pro Only | ✓ Included |
| AI Advisor 40+ Column JSON/CSV Export, `.json` Scenario Save/Load & Offline HTML File | 🔒 Pro Only | ✓ Included |
Start immediately in your browser for free, or unlock the complete Decumulation Execution Suite for a single one-time payment.
Ideal for quick retirement trajectory checks and testing gross portfolio longevity across return rates.
Everything in Free, plus the full tax-sequencing engine, Medicare IRMAA lookback radar, CCRC housing model, and companion execution spreadsheet.
100% of calculations happen locally inside your browser's JavaScript engine. Your inputs are saved automatically to your browser's local storage (`localStorage`) so they persist between sessions on your machine, and Pro users can export portable `.json` scenario files or run the self-contained `.html` file completely offline on an air-gapped computer.
Every tax and healthcare parameter in the simulator—including the Standard Deduction, Senior Bonus Deduction, 12% Ordinary Income Bracket Ceiling, 0%/15% Capital Gains thresholds, RMD Start Age, and IRMAA Tier 1 threshold—is exposed right in the Core Assumptions, HSA, RMD & Tax/IRMAA panel. You never have to wait for a software vendor to push an update.
Yes. Selecting your filing status in the Personal & Timeline Profile panel automatically reconfigures the standard deduction, senior deduction count, ordinary income tax brackets, capital gains thresholds, Medicare IRMAA thresholds, and spouse Social Security toggle—and you can still fine-tune any individual number afterward.
Checkout is handled securely via our Merchant of Record. Immediately upon purchase, you receive a license key that unlocks all Pro modules in the web simulator plus a downloadable `.zip` bundle containing the pre-unlocked offline HTML application and the Companion Execution Spreadsheet.