Retirement calculator features
Focused calculators for couples and individuals — answer "Am I okay?" without the complexity.
Couple retirement calculator
Built for single or couple households with shared expenses and individual retirement accounts.
Scenario managerPro
Base case plus up to five what-ifs for retiring early, windfalls, or expense tweaks.
Monte Carlo simulationsPro
1,000+ randomized simulations show your probability of success, not just one guess.
Social Security claimingNew
Compare 81+ claiming combinations for couples with spousal and survivor benefits at breakeven ages 85, 90, and 95. Included on Free.
Tax bracket projectionsNewPro
Free includes a tax insights preview — lifetime tax, average effective rate, and a marginal-rate-over-time chart. Pro unlocks the full year-by-year strategy, Roth conversion modeling, and timeline tabs.
Expense phase modelingPro
Go-Go, Slow-Go, No-Go phases model realistic spending decline through retirement.
Goal planning & trackingPro
Set retirement goals and track progress toward achieving them.
Household sharingPro
Collaborate with your spouse on retirement planning with shared access.
PDF exportPro
Export your retirement plan as a professional PDF to share with advisors.
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 login required. 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.
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.
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.
Model any future with our free calculator
See how decisions impact your retirement instantly.
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
Important: fidser. is an educational forecasting tool. Projections are estimates based on the information you provide. This is not financial, tax, or legal advice. Consult a qualified professional for personalized guidance.
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