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
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 Tax Bracket Projection
Estimated effective tax rate by year
Tax projection tools for smarter planning
Model Roth conversion scenarios, compare withdrawal sequencing strategies, and see how Social Security taxation thresholds affect your bottom line.
- 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.
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.
Meet Parker, your AI calculation companion
Explore "what-if" scenarios in plain English. Ask Parker questions like "What if I retire at 62?" or "How do taxes change if I convert to Roth?" and see projected impacts instantly.
- Explore scenarios conversationally
- Get explanations of your projections
- Ask questions about your projections
- Educational tool, not financial advice
Parker
fidser AI Assistant
Hi, I'm Parker
fidser AI Assistant
I can help answer questions about your retirement projections and explore "what if" scenarios together.
AI-generated content for educational purposes only. Not financial advice.
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 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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Healthcare Coverage Before 65: Your Complete Guide
You've crunched the retirement numbers and it looks promising. But then you remember: Medicare doesn't start until 65. If you're planning to retire early, healthcare coverage is likely your biggest question mark, and possibly your biggest expense.
Medicare Advantage vs Original Medicare: Which Is Right for You?
You're turning 65 and suddenly everyone has an opinion about Medicare. Your neighbor swears by her Medicare Advantage plan. Your sister insists Original Medicare is the only way to go. Here's the truth: both can be excellent choices, but the right one depends entirely on your specific situation.
Catch-Up Contributions After 50: Your Secret Weapon
If you've hit the big 5-0, here's some genuinely exciting news: the IRS just handed you a secret weapon for your retirement savings. Catch-up contributions let you stash away thousands more each year than younger savers can, and most people don't take full advantage of this opportunity.
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.
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