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
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 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
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 strategies
See exactly how claiming at 62, 67, or 70 affects your lifetime benefits. Find your breakeven point and make an informed decision about when to claim.
- Compare benefits at different claiming ages
- Calculate your personal breakeven point
- See cumulative lifetime benefits
- Factor in spousal benefits
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 Tax Bracket Projection
Estimated effective tax rate by year
See your tax picture through retirement
Understand how your tax burden changes as you transition from working years to retirement. Model Roth conversions to optimize your lifetime tax bill.
- Year-by-year federal tax projections
- See which brackets you fall into
- Model Roth conversion strategies
- Understand Social Security taxation
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.
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.
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 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
*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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How to Model 'What If' Scenarios for Retirement
What if the market crashes the year you retire? What if you live to 95 instead of 85? The most successful retirees don't just hope for the best, they plan for multiple futures. Here's how to model the scenarios that matter most.
2026 401(k) Limits: What Changed & How to Maximize Savings
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How we compare
See what sets fidser. apart from traditional retirement calculators.
Comparisons based on publicly available feature information from common retirement calculators.
Simple, Transparent Pricing
Free retirement calculator with optional Pro features.
Free
$0
forever
- 1 household profile
- Base case scenario
- Deterministic forecast
- 50-year projection
- Social Security calculations
- Federal tax estimates
Pro
$99.50
per year ($8.29/mo)
- 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
- 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