Every planner draws
a projection. Then what?
Retirement Figures keeps going: optimizers that search for your best Social Security claiming age and Roth conversion strategy, what-if scenarios you can run without touching your plan, insights that point you at the year worth a second look, and more that consumer planners rarely have. Free, no sign-up, and your plan stays in your browser until you choose otherwise.
How it works
- 1
Build your baseline
Enter accounts, income, expenses, Social Security, pensions, healthcare, and your timeline. Anything you skip runs on sensible defaults.
- 2
Run the projection
Monte Carlo, historical returns, or a straight line, for a range of outcomes rather than a single guess.
- 3
Optimize and stress-test
Let the optimizers search claiming ages, Roth conversions, and spending, then test what-ifs without touching your plan.
- 4
See what drives it
Success rate and funded ratio side by side, taxes and withdrawals year by year, and insights on the years that matter.
What Retirement Figures does
Projections
See how likely your plan is to last, and why
Thousands of simulated markets instead of one straight line. Your success rate sits beside your funded ratio, and insights flag the specific years worth a second look.
- Monte Carlo, historical, and straight-line projections
- Insights that catch bridge years, tax jumps, and withdrawal spikes
- Cash flow, balances, and withdrawals for every year of the plan
Flow Map Plus
Follow every dollar from where it comes from to where it goes
Income on the left, taxes in the middle, spending on the right, with every band as wide as the dollars flowing through it. See your whole retirement at once, or scrub year by year and watch paychecks give way to Social Security and then to required minimum distributions.
- Lifetime totals, or any single year
- Guaranteed income, portfolio withdrawals, and other income, grouped at a glance
- Taxes and pre-tax contributions branch off before spending
Optimizers Plus
Search the decisions that are worth six figures
Say you are deciding when to claim Social Security. The optimizer runs every claiming age through your whole plan and ranks them by success rate, so you see the best choice and how far behind the others are.
- Social Security claiming ages for you and your spouse
- Roth conversion amounts, year by year
- Pension elections and a sustainable spending level
What-If Explorer Plus
Try a change without touching your plan
Retire two years later, spend 20% more, or trim Social Security. Each scenario runs beside your baseline, so you see the difference it makes rather than a new number to compare in your head.
- Ages, work, spending, returns, inflation, debt payoff, market shocks
- Stack multiple scenarios to see their cumulative effect
- Compare saved plans side by side
Time Machine Plus
What if you had retired in 1966?
Replay your plan on the good and bad years that followed a real starting year, in the order they happened, then put two of those years side by side. Same plan, same spending, two different decades to retire into: one runs out of money, the other finishes with millions to spare.
- Compare two starting years on one chart
- Test your plan against every stretch of market history since 1872
- Replay history as recorded, or the same sequence at your own return assumptions
Taxes and healthcare
Every year taxed the way it will be taxed
Federal and state income tax for all 50 states plus DC, with Social Security, required minimum distributions, and capital gains each handled the way the tax code treats them. Compare Roth conversion strategies by lifetime taxes, RMDs, and success rate, and follow healthcare costs from ACA coverage to Medicare.
- IRMAA surcharges, ACA subsidies, and long-term care costs
- Early retirement: 72(t), the Rule of 55, and deferred HSA reimbursements
- Federal results checked against an independent tax model
Relocation Plus
Model a move before you make it
Retire to a no-income-tax state, then move closer to the grandchildren ten years later. Stack as many state moves as your plan needs, and each year is taxed by the state you live in that year.
- Multiple state-to-state moves on one timeline
- State income tax switches over in the year you move
- Tie the home sale, moving costs, and new expenses to the move
Passport Plus
Thinking about retiring abroad?
Pick a destination and Passport builds a copy of your plan with that country's cost of living, taxes, and healthcare, so you can weigh living abroad against staying home.
- Panama, Costa Rica, Mexico, the Philippines, and more
- Checks whether your income meets the residency visa requirement
- Your original plan stays exactly as it was
Plan sharing Plus
Plan with the people you decide with
Give your spouse, partner, or advisor access to a plan from their own free account. They open the same plan you work in, not a copy that goes stale the moment you change something.
- View only or full editing, chosen per person
- Only you need a subscription; they sign up free
- Withdraw access at any time
Also in the planner
The details that decide whether a plan fits your life, not an average one.
- Real estate, rentals, and future home sales
- Vehicles, collectibles, and business equity, with planned sales
- Equity compensation (RSUs) vested into your plan
- Mortgages and debts with payoff dates
- Pensions and income annuities
- Import a TIPS ladder schedule
- Windfalls, inheritances, and one-time expenses
- Adaptive spending that responds to markets
- Charitable giving and QCDs
- Life insurance and a legacy goal
- Advanced HSA strategies
- Your own return and inflation assumptions
- Plan Thresholds: the return or inflation your plan needs to succeed
- Longevity risk: what if you live shorter or longer than planned
- Outcome Quadrant: success rate and funded ratio side by side
- Multiple plans you can switch between
- A printable PDF plan report
- Year-by-year breakdown with CSV export
- Export a plan for an AI-assisted second look
- Back up and restore plans as a file
Also free standalone calculators for a quick retirement plan, Social Security claiming, Roth conversions, pension lump sums, TIPS ladders vs. annuities, and home: own vs. rent.
Privacy
Your plan lives where you choose
Most planners keep your finances on their servers and start with a sign-up form. Here the default is the opposite: no account, and nothing leaves your browser.
Local only No account
The default. Your plans are stored in your own browser, not on our servers. We never receive a copy, so we cannot see them.
Cloud sync Free account
Create an optional account with an email or Google sign-in, and your plans sync across your devices.
Encrypted cloud sync Free account
Turn on end-to-end encryption and your plans are encrypted in your browser with a passphrase only you know, so not even we can read them.
No bank connections. No name, address, or Social Security number. Your data is never used to steer you to advisors or financial products.
How we handle your dataStart with a free retirement plan
Build your baseline, explore the big tradeoffs, and upgrade only when you want the advanced tools.