Simple, transparent pricing
Start for free, upgrade when you need advanced scenario modeling.
Free
Get started with the essentials
- 1 household profile
- Base case + 1 what-if scenarioNew
- Deterministic forecastA single projection based on your inputs and average expected returns. Shows one clear path forward without accounting for market variability.
- 50-year projection
- Social Security claiming optimizerNewCompare 81+ claiming combinations for couples with spousal and survivor benefits — included on Free.
- Federal and state income tax modeling
- Healthcare: ACA, Medicare & IRMAANewACA premium subsidies pre-65, Medicare Part B/D projections at 65, and IRMAA surcharges for higher earners.
- Year-by-year RMD projectionsNew
- Tax insights previewNewSee your lifetime tax estimate, average effective rate, highest marginal year, and a marginal-rate-over-time chart. Full strategy and Roth conversion tabs are Pro.
Pro
Advanced scenario modeling
No lock-in — cancel anytime
- Everything in Free, plus:
- Up to 5 what-if scenarios
- Monte Carlo simulationsRuns 1,000+ simulations with randomized market conditions to show the range of possible outcomes. Gives you a "success probability" based on historical market patterns.
- Earliest retirement date solverNewPro figures out the soonest age your plan still works, plus the maximum sustainable annual spending.
- Healthcare cost modelingNewACA subsidy estimation, Medicare premium projections at 65, and IRMAA surcharges for higher earners.
- State-relocation modelingNewModel moving to a different state mid-plan and see the tax impact on your retirement.
- Roth conversion planningNewModel specific Roth conversion amounts with year-by-year tax impact analysis.
- Tax-efficient withdrawal strategyNewYear-by-year withdrawal sequencing across taxable, tax-deferred, and Roth accounts to minimize lifetime tax. Builds on the Free tax insights preview with full Strategy, Roth, and Timeline tabs.
- Forecast insightsNewKey milestones, peak tax years, healthcare transitions, and trace-driven explanations of your projections.
- Annual review workflowNewGuided 4-step annual check-in to refresh balances, review projections, and confirm your plan.
- Expense phase modelingGo-Go, Slow-Go, No-Go retirement spending phases.
- Goal planning & tracking
- Household sharingCollaborate with your spouse on retirement planning with access controls.
- PDF export
- Unlimited household profiles
Common questions
What personal details do you need?
Just an email to save your progress. That's it — no name, no Social Security number, no bank logins. You enter your own estimates; we don't connect to your accounts or ask for sensitive identifiers.
Is this financial advice?
No. fidser. is a forecasting tool — sophisticated calculators that model your retirement scenarios. It's for informational and educational purposes only. Use it to explore possibilities, then consult a qualified financial planner before making decisions.
Can I just try it for free?
Yes, and Free isn't a trial. It includes a base case plus one what-if scenario, the Social Security claiming optimizer (81+ couples combinations), federal/state taxes, healthcare with ACA/Medicare/IRMAA, year-by-year RMDs, and a tax insights preview — all on a 50-year projection. Use it for as long as you like. Pro adds Monte Carlo, up to 5 what-ifs, Roth conversion planning, and the full tax-efficient withdrawal strategy.
What if I upgrade and change my mind?
Cancel Pro anytime from your account settings — no phone calls, no hassle. You keep access until your billing period ends, then revert to Free. All your data stays intact.
Is my data secure?
Yes. Encrypted at rest and in transit, and we don't sell your data. Read our security practices.
Have more questions? See our full FAQ or get in touch.