Monte Carlo simulation, Roth conversion ladder, IRMAA forecasting, Social Security taxation, 13 model portfolios, Efficient Frontier.
Covers 30+ major US pension plans — UCRP, CalPERS, CalSTRS, FERS, military, NY/IL/OH/TX teachers, police & fire. Enter your salary, years of service, and retirement age to model possible outcomes using your plan's published formula. This is an educational estimate — verify with your plan administrator before any retirement decision.
Includes 30+ major plans — UCRP, CalPERS, CalSTRS, FERS, military, NY/IL/OH/TX teachers, police & fire. Enter salary + years + age, get annual/monthly estimate with vesting + survivor + cap rules built-in.
2,000 trials of your retirement plan under realistic market volatility. Shows P10/P50/P90 outcomes and success probability.
The "gap-year" planner. Models bracket-aware Roth conversions year-by-year during low-income years between retirement and RMDs.
Modern Portfolio Theory. 6 asset classes, covariance matrix, grid-searched. Finds the optimal long-only mix at any target return + the tangency (max-Sharpe) portfolio.
Boglehead 3-Fund · Dalio All Weather · Permanent Portfolio · Buffett 90/10 · Yale Endowment · Ivy · Larry Swedroe · Coffeehouse · and more. Compare allocations alongside your risk profile.
The Medicare premium surcharge that applies to retirees with higher MAGI — based on income from 2 YEARS PRIOR. The forecast helps you model scenarios for RMDs and Roth conversions; verify with a CPA before acting.
0%, 50%, or 85% of your SS benefits become taxable based on combined income. The full provisional-income calculation is modeled.
Required Minimum Distributions from age 73 (SECURE 2.0). Models the impact on your bracket + Medicare premiums + Social Security taxation.
An extra Roth contribution path (~$30,000/yr) available in some 401(k) plans. We walk through the requirements and the math.
For disabled beneficiaries who need to preserve SSI/Medicaid eligibility. Includes the 2026 ABLE Age Adjustment Act expansion (eligibility extends to age 46).
All tools are open to use during the beta.