New
Plan progress check
Your review now puts today’s savings and investments next to what your first plan projected for this year, replayed with the same inputs and assumptions. Home equity is left out on both sides, so the gap is the real one.
Capabilities
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
Free includes 1 what-if; Pro adds up to five. Model early retirement, windfalls, income changes, and more — side by side with your base case.
Monte Carlo simulationsPro
1,000 randomized simulations show your probability of success, not just one guess.
Social Security claiming
Compare 81+ claiming combinations for couples with spousal benefits at breakeven ages 85, 90, and 95. Included on Free.
Plan progress checkNew
Each review compares your savings and investments today with what your first plan projected for this year, with home equity left out. Included on Free.
Events that move with your planNew
Tie a one-time expense or windfall to retirement, a Social Security claim, or Medicare, and it moves when those dates change. Included on Free.
Tax bracket projectionsPro
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.
Parker AI assistant
Ask what-if questions in plain English and get answers grounded in your own plan. Free includes a daily allowance; Pro raises it. Past conversations stay in History until you delete them.
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.
What's new · v5.1 · September 2026
Your plan, kept current
Four additions that help a plan keep up with your life. All of them are included on the Free plan.
New
Events that move with your plan
Tie a one-time expense or windfall to your retirement, a Social Security claim, or Medicare. “A new car when I retire” follows your retirement date when you change it, and the editor shows the year it lands on today.
Milestones on your charts
NewYour Social Security claim and the year Medicare begins are now marked alongside retirement, the years that change the shape of the lines. Milestones in the same year share one label.
Parker conversation history
NewRead past conversations in History, start a new chat without losing the last one, and delete any conversation you no longer want. History is private to your login.
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.
Social Security Planning
Compare Social Security claiming scenarios
Model 81+ claiming combinations for couples. See spousal benefits, and compare breakeven ages at 85, 90, and 95 to find your path forward.
- 81+ claiming combinations for couples
- Spousal benefit analysis
- Breakeven comparisons at ages 85, 90, and 95
- Cumulative lifetime benefit projections
Social Security claiming comparison
Monthly benefit by claiming age
Claim at 62
Claim at 67 (FRA)
Claim at 70
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
24% (working)
22% (working)
22% (retired)
12% (retired)
State tax
Effective rate
Tax Planning
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.
Spending Phases
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
Phased spending
Flat spending
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
On Track94% Success
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
On Track92% Success
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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