Introducing fidser. v4.0
Our biggest update yet — smarter answers, deeper modeling, and new ways to plan your retirement.
Know When You Can Retire
fidser. now automatically calculates your earliest possible retirement date and maximum sustainable annual spending. No guessing — just answers.
Healthcare Cost Modeling
Model the full healthcare journey — ACA subsidies before 65, Medicare premiums after, and IRMAA surcharges for higher earners.
Multi-State Tax Modeling
NewSee how your state's taxes affect retirement. Model relocating to a different state and watch your projections update instantly.
Roth Conversion Planning
NewTest specific Roth conversion amounts and see the year-by-year tax impact. Find the sweet spot between paying taxes now and saving later.
Forecast Insights
NewNew insight cards explain your key milestones, peak tax years, healthcare transitions, and the drivers behind your projections.
Annual Review Workflow
NewA guided 4-step review to refresh balances, revisit projections, and confirm your plan once a year. Stay on track without obsessing.
FIRE & Early Retirement Ready
NewWhether you're targeting 65 or 45, fidser. adapts. Extended modeling horizons, healthcare gap analysis, and solver optimization work for traditional and FIRE-style plans alike.
AI-Powered Exploration
Coming SoonAsk questions in plain English and get quantified answers. Parker will help you explore what-if scenarios conversationally.
Monte Carlo
Success Rate
ProStatus
On Track
Am I okay for retirement?
Our free retirement calculator with Social Security, taxes, and healthcare modeling 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
The clarity to move forward
See your retirement runway
How long will your money last? Our calculator shows you exactly where you stand—so you can make decisions with confidence.
Portfolio Balance Over Time
Explore how different choices affect your runway
Every choice changes your runway. Test different retirement ages, spending levels, and Social Security timing to find what works for you.
Free to start · Takes 5 minutes · No credit card required
Chart shown is an illustrative example based on typical retirement scenarios. Your actual results will depend on your specific situation, market conditions, and planning decisions. This is not a guarantee of future results.
From anxious to confident in 5 minutes
No spreadsheets. No advisor fees. Just clear answers about your retirement.
Answer Simple Questions
Share your income, savings, and retirement goals. No financial jargon required.
Build your profile
See Your Future
Get a 50-year projection with Social Security, taxes, and investment growth calculated automatically.
Know where you stand
Explore What-Ifs
Test scenarios like retiring early, buying a vacation home, or changing your spending.
Make confident decisions
Forecast
50 Years
Everything You Need
A retirement calculator that fits in your pocket.
Our couple retirement calculator pairs real Social Security math, federal & state 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
Social Security, federal & state tax modeling
Healthcare cost modeling (ACA, Medicare, IRMAA)
Monte Carlo simulation & planning optimization
Privacy-first — no bank connections, no SSN
Built on transparency
See the math. Keep your privacy. Make your own decisions.
Published formulas
Every calculation uses official IRS and SSA formulas. No black boxes.
Complete privacy
No bank connections. No SSN. Just your estimates and an email to save progress.
No credit card
Start free, stay free. Upgrade only if you want advanced scenario modeling.
Educational tool
Explore scenarios and learn. We never give financial advice — that's your advisor's job.
See thousands of possible futures, not just one
Traditional calculators show a single line. We run 1,000+ simulations accounting for market volatility, inflation uncertainty, and sequence-of-returns risk.
- Understand your probability of success, not just a guess
- See best, worst, and most likely outcomes at a glance
- Make confident decisions with realistic projections
Portfolio Projection
30-Year Monte Carlo
Chart shown is an illustrative example only. Actual projections will vary based on your inputs, market conditions, and personal circumstances. This is not a guarantee of future results.
Watch your wealth grow over time
See your complete net worth projection including home equity, investments, and retirement accounts. Understand exactly where you'll be financially at every stage of life.
- Includes home equity and all assets
- Updates instantly as you adjust scenarios
- See the impact of major life decisions
Net Worth Projection
Includes home equity (home value minus all outstanding loans)
Income & Spending Over Time
Income sources change in retirement
Understand how your income shifts
Visualize the transition from wages to retirement income. See exactly when Social Security kicks in, when you'll need portfolio withdrawals, and how your spending compares.
- See all income sources in one view
- Includes Social Security estimates
- Compare income vs. spending over time
Know exactly when money flows
Track your annual cashflow year by year. See the difference between income and expenses, and understand how portfolio withdrawals fill the gap in retirement.
- Year-by-year breakdown
- Includes portfolio withdrawals
- Spot potential shortfalls early
Cashflow Projection
Income includes portfolio withdrawals in retirement
Compare Social Security claiming scenarios
Model 81+ claiming combinations for couples. See spousal and survivor benefits, and compare breakeven ages at 85, 90, and 95 to find your path forward.
- 81+ claiming combinations for couples
- Spousal and survivor benefit analysis
- Breakeven comparisons at ages 85, 90, and 95
- Cumulative lifetime benefit projections
Social Security Claiming Comparison
Monthly benefit by claiming age
Social Security estimates are based on the information you provide and current SSA formulas. Actual benefits may vary. This is not financial advice.
Federal & State Tax Projection
Estimated effective tax rate by year
Tax projection tools for smarter planning
Model Roth conversion scenarios, compare withdrawal sequencing strategies, and see how federal and state taxes affect your bottom line — including what happens if you relocate.
- Federal and state tax projections
- Roth conversion scenario modeling
- Withdrawal sequencing comparisons
- Social Security taxation thresholds
- Year-by-year bracket analysis
Tax projections are estimates based on current federal tax law and the information you provide. Tax laws change frequently. Consult a tax professional for personalized advice.
State Tax Impact
Same household · 30-year retirement
California
$284,000
Up to 13.3% state income tax
Florida
$0
No state income tax
Save $284,000
by relocating — modeled as a scenario modification
See how your state affects retirement
State taxes can make a six-figure difference over a 30-year retirement. fidser. models state-specific income and capital gains tax rates — and lets you see what happens if you move.
- State-specific income and capital gains tax rates
- Model relocating to any state in any year
- Year-by-year state tax projections
- Compare states side-by-side in scenarios
Pro feature · Included with fidser. Pro at $9.95/month
State tax estimates use effective tax rates and are for planning purposes only. Example data is illustrative — your results will differ.
Bridge the gap from employer coverage to Medicare
Healthcare is the #1 concern for early retirees. fidser. models the full journey — from employer coverage through the ACA marketplace years to Medicare at 65 and beyond.
ACA subsidies
Based on MAGI
Medicare premiums
At age 65
IRMAA surcharges
High earners
Cost integration
Year-by-year
Pro feature · Included with fidser. Pro at $9.95/month
Healthcare Coverage Timeline
Example: Early retiree at age 55
Employer Coverage
Ages 55–57
Covered through work benefits
ACA Marketplace
Ages 58–64
Subsidy ~$8,400/yr based on MAGI
Medicare
Ages 65+
Part B $185/mo + Part D $40/mo
IRMAA Surcharges
Higher earners pay extra Medicare premiums. fidser. warns you before you hit the thresholds.
Healthcare cost estimates use 2026 benchmark data and are for planning purposes only. Actual premiums and subsidies depend on your specific circumstances and plan selections.
Model realistic retirement spending
Your spending won't stay flat for 30 years. fidser. models the natural decline in spending as you move through retirement phases — from active "Go-Go" years to quieter "No-Go" years.
- Go-Go years (65-75): Full spending on travel & activities
- Slow-Go years (75-85): 85% of initial spending
- No-Go years (85+): 75% as activity decreases
- More realistic than flat spending assumptions
Retirement Spending Phases
Annual spending adjusted for lifestyle changes
Most calculators assume flat spending — but research shows retirees naturally spend less as they age. fidser. models this reality for more accurate projections.
Spending phase percentages are illustrative examples based on retirement research. Your actual spending patterns may vary. This is for educational purposes only.
Solver Optimization
The two questions that matter most,
answered automatically.
When can I retire?
Age 54
(2028) — earliest viable date
How much can I spend?
$140,400
per year ($11,700/mo) — sustainable
Key Milestones
2028: Retire at 54 · 2036: Social Security · 2039: Medicare
Peak Tax Year
2053 — highest modeled burden at $68,200
Healthcare
2028: ACA marketplace · 2039: Medicare at 65
Pro feature · $9.95/month
Based on illustrative assumptions. Deterministic projections. Not financial advice. Consult a qualified professional before making financial decisions.
Plan on your timeline
Most retirement calculators assume you'll work until 65. fidser. models every milestone along the way — whether you retire at 45 or 65.
Early Retirement
Roth Ladder Matures
Rule of 55
Age 59½
Social Security
Medicare
110
Max modeling age
1,000+
Monte Carlo simulations
Auto
Solver finds earliest date
Parker
fidser. AI Assistant
Ask questions in plain English and get quantified answers about your retirement projections. Parker is coming soon.
Parker is an AI assistant that helps you explore retirement scenarios. All responses are for educational purposes only and should not be considered financial advice.
Loved by Early Planners
Join other US households getting clarity on their retirement 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 an international vacation
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 can afford this break and still meet your goals.
- Net worth
- $1,380,000
- Monthly income
- $6,200
- Years until depletion
- Never
Modifications
- One-time expense of $25,000 in 2027
- Income change to $0 in 2027
What-if
Move to Florida in 2030
Relocating to a no-income-tax state boosts your outlook.
- Net worth
- $1,520,000
- Monthly income
- $6,500
- Years until depletion
- Never
Modifications
- State relocation to Florida in 2030
What-if
Convert $50k to Roth IRA
Pay taxes now for tax-free growth and withdrawals later.
- Net worth
- $1,410,000
- Monthly income
- $6,200
- Years until depletion
- Never
Modifications
- Roth conversion of $50,000 in 2027
*Projections are hypothetical examples for illustration only, based on historical data and general assumptions. Actual results will vary. This is not financial advice. Learn more
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15 Things Nobody Tells You About the First Year of Retirement
Nobody warned you that retirement would feel this weird. The freedom is real, the confusion is real, and yes, your spouse definitely has opinions about your new schedule. Here are 15 things nobody tells you about the first year of retirement, including a few that will make you laugh out loud.
RMD Calculator 2026: Calculate Your Required Minimum Distribution Step by Step
If you turned 73 this year, the IRS has a specific amount it expects you to withdraw from your traditional IRA or 401(k), and missing that deadline comes with a steep penalty. The good news is that calculating your Required Minimum Distribution is more straightforward than it sounds, and understanding the math puts you in control. This guide walks you through every step, including the actual 2026 table factors, a worked example, and one powerful strategy for reducing the tax hit.
How we compare
See what sets fidser. apart from basic retirement calculators.
No black boxes. Every calculation uses published IRS and SSA formulas.
Complete privacy. No bank connections needed.
Comparisons based on publicly available feature information from common retirement calculators.
No credit card required
Simple, Transparent Pricing
Free retirement calculator with optional Pro features.
No lock-in — cancel anytime.
Free
$0
forever
- 1 household profile
- Base case scenario
- Deterministic forecast
- 50-year projection
- Social Security calculations
- Federal tax estimates
Pro
$9.95
per month
- Everything in Free, plus:
- Up to 5 what-if scenarios
- Monte Carlo simulations
- Success probability bands
- Social Security claiming scenarios
- Tax bracket projections
- Roth conversion modeling
- Multi-state tax modeling
- Healthcare cost projections
- Planning optimization (earliest date & max spending)
- Forecast insights & annual review
- Expense phase modeling
- Goal planning & tracking
- Household sharing
- PDF export
- Unlimited household profiles
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