Monte Carlo
Success Rate
Status
On Track
Am I okay for retirement?
Our free retirement calculator with pension and Social Security gives you a clear answer in just 5 minutes. No spreadsheets, no jargon, no anxiety. Just honest insights about your financial future.
Free to start · No credit card · No bank connections
Three Steps to Peace of Mind
Can I retire? Get clear answers.
Our can I retire calculator makes planning fast, simple, and stress-free.
Answer Simple Questions
Tell us about income, savings, expenses, and when you want to retire. Takes about 5 minutes.
Get Your Forecast
We project 50 years of income, Social Security, federal taxes, and account growth, automatically.
Explore What-Ifs
Model retiring early, a windfall, or spending changes with the Scenario Manager.
Forecast
50 Years
Everything You Need
A retirement calculator that fits in your pocket.
Our couple retirement calculator pairs real Social Security math, federal tax modeling, and Monte Carlo simulations with a simple Scenario Manager. Answer "can I afford to retire?" with clarity in five minutes.
Retirement calculator for couples and individuals
Accurate Social Security & federal tax modeling
Scenario planning with Monte Carlo simulation
Mobile-first design with privacy-first architecture
Can I afford to retire calculator with detailed projections
Loved by Early Planners
Join other US households getting clarity on their future.
“Finally, a tool that balances simplicity with depth. I modeled my retirement scenarios in 5 minutes without a degree in finance.”
Sarah J.
Planning for 2030
“The Monte Carlo simulations gave me a clear picture of the probabilities. It's reassuring to see the math behind the plan.”
Michael R.
Retired 2024
“We used to get lost in complex spreadsheets. fidser. helped us visualize our shared future and savings goals clearly.”
David & Lisa
Couple, 45 & 42
What's Your "What If"?
Our retirement calculators for couples show how a sabbatical, a new home, or retiring early changes your outlook.
What-if
Retire early at 60
You are on track to meet your expenses in retirement.
- Net worth
- $1,450,000
- Monthly income
- $6,200
- Years until depletion
- Never
Modifications
- Update retirement age to 60
What-if
Take international holiday
You can afford this dream trip and stay on track.
- Net worth
- $1,435,000
- Monthly income
- $6,200
- Years until depletion
- Never
Modifications
- One-time expense of $15,000 in 2026
What-if
Take a Sabbatical in 2027
You are on track to meet your expenses in retirement.
- Net worth
- $1,450,000
- Monthly income
- $6,200
- Years until depletion
- Never
Modifications
- One-time expense of $25,000 in 2027
- Income change to $0 in 2027
Fresh from the blog
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Why Retirement Calculators Give You Different Answers
You've tried three retirement calculators and gotten three wildly different answers. One says you're on track, another says you need $500,000 more, and the third suggests you could retire five years early. What's going on?
Retiring at 55 vs 60 vs 65: The Tradeoffs Nobody Explains
Most retirement advice pushes you toward 65, but what if you want out earlier? Here's what actually happens to your healthcare, Social Security benefits, and savings when you retire at 55, 60, or 65 (and why there's no single right answer).
What Is Monte Carlo Simulation? (And Why Retirement Tools Use It)
You've probably seen it: your retirement calculator shows an '85% success rate' or a '70% probability of success.' But what do these numbers actually mean? And why do so many retirement planning tools rely on something called Monte Carlo simulation?
Simple, Transparent Pricing
Free retirement calculator with optional Pro features.
Free
$0
forever
- ✓Single or couple retirement planning
- ✓Base case scenario
- ✓Deterministic forecast
- ✓50-year projection
- ✓Social Security + tax calculations
Pro
$9.95
per month
- ✓Everything in Free
- ✓Base + 5 what-if scenarios
- ✓Monte Carlo simulations
- ✓Success probability analysis
- ✓Side-by-side scenario comparison
Ready to Answer "Can I Afford to Retire?"
Whether it's adventures abroad, peaceful mornings, or quality time with loved ones - our free retirement calculator helps you know you're on track to live the retirement you've earned.
No credit card required · Free to start · 2 minutes to sign up