Every number in your plan, and the formula that produced it.
The Retirement Decision Model treats your household as one cash flow — both people, Social Security timing, pensions, taxes, RMDs and Medicare — and shows the arithmetic behind every figure. Where it cannot answer, it says so, and names what it would need.
Calculator inputs are processed in your browser.
Move the sliders. Real engine, example household: $2,800/mo Social Security at 67, $800K saved, retiring in 2029. Taxes, withdrawal order, and Medicare are modeled.
How it works
Start with the core details
Five guided steps cover timing, Social Security, savings, spending, state, and coverage. Optional fields let you refine the model later.
See what the model projects, for both of you
Two claiming ages, spousal and survivor benefits, a pension with its survivor terms, two Medicare start dates. Most calculators model one person; a household is not one person.
Walk into the meeting knowing the agenda
Every result points back to the formula and the assumption behind it, and every gap the model will not fill is named. That list is what a CFP professional, tax professional, or attorney should be looking at.
Built for two moments, not one big dashboard
Still working
Planning a few years out and want to compare claiming at 65, 67, or 70 against your spending assumptions without opening a spreadsheet.
At the decision
At or near retirement and need a clearer scenario: how different Social Security timing choices change the projection, taxes, Medicare costs, and ending balance.
Calculator inputs are processed in your browser
The retirement model runs on your device. The model does not keep a cloud copy of your calculator inputs or generated results. If you download a PDF, it stays on your device unless you choose to share, print, or store it elsewhere.
No Cloud Copy
The calculator does not save your inputs or results to an account or database.
No Account Required
Running the calculator does not require an account or an email address.
Inputs Stay Separate
We do not use the numbers you enter into the calculator for ad targeting.
Built for the question behind the number
Retirement planning should not feel like trusting a black box or filling out a spreadsheet for hours. The model starts with the core inputs that drive the projection, then lets you refine the details when they matter. When the number changes, you can see what changed with it.
What this is, next to what it isn't
The most useful thing we can tell you before you start is where this model stops.
What the model models
Your household as one cash flow: both people, Social Security timing including spousal and survivor benefits, pensions with COLA and survivor continuation, taxable, tax-deferred and Roth balances, federal and state tax, RMDs, Medicare and its income surcharges — with the arithmetic behind every figure available to read.
Where a figure depends on something you have not entered, the model says so and names what it needs, rather than filling the gap with an average.
What it doesn't
Healthcare beyond the Part B premium and its surcharges. The reverse survivor case. Tax-return-grade detail — NIIT, QCDs, inherited-account deadlines, per-lot cost basis. Estate, insurance and portfolio construction. Twenty-six states have curated tax rules; the rest use a rate you set yourself.
That list is not an apology. It is the agenda for a conversation with a professional, and knowing it in advance is most of what makes that hour worth paying for.
A standalone comprehensive financial plan runs a median of $3,000(The Kitces Report, 2024 data). The Retirement Decision Model is a narrower thing than that plan and is not a substitute for one — it models fewer areas, and it shows you every formula in the ones it does. Pricing is announced at launch.
See what the model actually says
Five guided steps, then a report that shows what your income covers, what your savings have to fund, and which questions it could not answer for you.
Start your planThere is no separate free tier or feature ladder. The full model — including couples, Monte Carlo simulations, long-term care inputs, and more — is open to beta participants at no cost during the public beta. See what's included.