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Build your core retirement plan with Monte Carlo and linear projections, and essential calculators.
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Everything in Free is included in Plus.
| Feature | Free | Plus |
|---|---|---|
| Core Planning | ||
Core retirement plan with accounts, work and passive income, Social Security, pensions, income annuities, expenses, mortgage & debts, federal and state taxes, and projections | ||
Monte Carlo and linear retirement simulations, with your chance of success Learn more | ||
Historical simulation and the full range of outcomes Replay real sequences of market years, see your worst and best outcomes with the growth rate behind each, and chart your withdrawal rate and risk of running out year by year Learn more | ||
Basic dashboard showing current plan metrics and health | ||
Funded ratio Everything funding your retirement measured against everything it has to pay for, in today's dollars. Arithmetic rather than simulation, so it answers whether you have enough instead of how the odds look Learn more | ||
Funded ratio for essentials and full lifestyle See your essentials funded on their own, apart from your full lifestyle, and what funds each against what it has to pay for Learn more | ||
Standalone calculators (Roth, Social Security, and more) | ||
Local, cloud, or encrypted storage Keep your plans on your device with no account or sync them to the cloud with a free account and optionally encrypt them with a passphrase only you know Learn more | ||
Equity Compensation (RSUs) Enter a grant and the value you expect to vest each year. Vested value is taxed as wages, the same as salary, and what you do not spend flows into your taxable account Learn more | ||
Real Estate Model homes, rental properties, land, and future buy/sell events with property costs and net proceeds | ||
Other Assets Track valuables like vehicles, jewelry, and collectibles, model their value over time, and plan future sales with net proceeds | ||
Legacy goal Set an amount you'd like to leave behind and see how often your plan reaches it, alongside the estate it typically leaves - measured after the tax your heirs would owe, and counting property, other assets, and life insurance Learn more | ||
Life Insurance Model policies that pay out to your heirs - death benefits count in full toward your legacy, cover that ends before your plan does is flagged rather than silently ignored, and you can test cashing a permanent policy in for its value instead Learn more | ||
TIPS Ladder Import a funded-years schedule from a third-party TIPS-ladder builder | ||
Multiple Plans Save and switch between separate retirement strategies without overwriting your baseline and quickly scan important metrics Learn more | ||
Share a plan Give your spouse, partner, or advisor access to a plan - view only or full editing - from their own free account. Only you need a subscription, and you can withdraw access at any time Learn more | ||
Passport Model retiring abroad - a destination's cost of living, taxes, and healthcare applied as a new plan you can compare side by side, plus its residency visa requirements and a check of whether your income qualifies Learn more | ||
State & international relocations Model a move to another state or abroad and see how the change in taxes, cost of living, and healthcare affects your plan Learn more | ||
Multiple windows Open a second window on another monitor, on any results page or another part of your plan, that stays in sync as you edit in the first Learn more | ||
| Tax & healthcare planning | ||
Roth Conversions Explore smarter conversion strategies, including how ACA subsidies factor in Learn more | ||
Charitable Giving Model IRA gifts that satisfy RMDs, plus the 2026 deduction on ordinary cash giving | ||
ACA health insurance and subsidies Estimate premiums and subsidy effects before Medicare | ||
Rule of 55 Withdraw from the employer plan you left at 55 or later without the 10% early-withdrawal penalty | ||
Early withdrawals with 72(t) / SEPP Model penalty-free substantially equal payments from eligible retirement accounts before age 60 | ||
Medicare (including IRMAA calculations) Estimate Medicare premiums and IRMAA surcharges across retirement based on your projected income | ||
Long-term care modeling Model future care costs and plan impact | ||
Delayed HSA reimbursements for tax-free growth Model HSA reimbursement timing more realistically | ||
| Stress-test & optimize | ||
What-If Explorer Stress-test against crashes, early retirement, and spending changes Learn more | ||
Relocation Explorer Run your plan in all 50 states: state income tax, cost of living and housing, every state ranked on what you would have left, and any move saved as a new plan Learn more | ||
Optimizers Find strategies that improve your plan's success Learn more | ||
Time Machine Replay your plan on the year-by-year returns that actually followed a real starting year, at that stretch's own inflation, then test it against every stretch of market history from 1872 to 2025 Learn more | ||
Plan Thresholds Work backwards from the outcome you want to the return or inflation your plan needs to reach it, then map every combination of the two Learn more | ||
Custom return rates and inflation assumptions Fine-tune core planning assumptions, including the discount rate behind the funded ratio | ||
| Visualizations & Information | ||
Full dashboard More time horizons, more metrics, withdrawal pressure chart, and plan insights | ||
Net worth over time Chart your portfolio, real estate, other assets and debts for every year of the plan. Plus adds the table view and what each year is made of | ||
Plan View Chart portfolio, income, withdrawals, expenses, taxes or cash flow by year, with the figures behind any year Learn more | ||
Cash flow charts Visualize where money comes from and where it goes | ||
Longevity Risk chart See how your plan holds up if you or your spouse live shorter or longer than planned | ||
Outcome Quadrant Plot every plan on chance of success and funded ratio at once, with a second point for the same plan on essentials only Learn more | ||
| Reports & Exports | ||
Export & import plans Back up your plans to a .rfplan file and restore them in another browser or on another device | ||
Year-by-year plan breakdown with CSV export Review detailed annual projections and export the data | ||
Downloadable PDF plan report Generate a clean shareable summary of the plan | ||
AI Review, export plan(s) for AI-powered analysis Export one plan for an AI-assisted second look, or two plans side-by-side for an AI-assisted comparison Learn more | ||
| Other | ||
Color themes Personalize the app with additional color themes, each in light and dark mode | ||
Priority consideration for feature requests Your feature suggestions get priority consideration | ||
How Retirement Figures helps you
Retirement decisions touch taxes, Social Security, Medicare, market returns, decades of compounding, and other factors all at once. Bring those moving parts into one model so you can see how each choice flows through to your bottom line, not just one slice at a time.
The whole picture
Your accounts, income, expenses, Social Security, pensions, taxes, and inflation are all modeled together. Spreadsheets and one-off calculators miss the interactions that drive real outcomes.
Test before you commit
Monte Carlo, historical, and linear projections show how a plan holds up across thousands of market scenarios. Try retiring earlier, spending more, or claiming Social Security later and see the impact in your own numbers.
Worth it even with an advisor
An hour of a financial advisor's time typically runs $200 to $400. Whether you DIY or work with a professional, walking in with a complete plan and informed questions puts your time, and their hours, on the decisions that actually move the outcome.
Your data is yours
Local or cloud storage - your data, your choice
Without an account, everything you enter is stored only in your browser and is never uploaded. Want it on more than one device? Create a free account to sync your plans to the cloud, and optionally encrypt them with a passphrase only you know. Either way, Plus just unlocks features.
- We don't sell your data.
- We don't show ads.
- We don't link to your bank or brokerage; you enter your own numbers.
- We don't run advertising trackers that follow you around the web.
- If you cancel Plus, you keep your plan and revert to the free tier.