Professional-Grade Retirement Planning
Will Your Money Last?
Most people guess. RetireWise runs 10,000 scenarios so you don't have to.
How It Works
Three steps. Under three minutes.
Enter your numbers
Portfolio value, income sources, expected expenses. Takes about 3 minutes.
We run the math
10,000 Monte Carlo simulations using real tax brackets, Social Security rules, and market data.
Get your plan
A clear probability score, withdrawal strategy, and AI-powered action items.
How RetireWise Compares
Most retirement tools make you choose between depth and ease of use. We built both.
| Basic Calculators | Spreadsheet Tools | RetireWise | |
|---|---|---|---|
| Monte Carlo scenarios | None | Limited | Up to 10,000 |
| Tax modeling | Flat estimate | Manual input | Real 2025 federal brackets |
| Social Security optimization | Basic | Varies | Ages 62–70 with lifetime analysis |
| AI-powered insights | — | — | Personalized action plan |
| Setup time | Instant | Hours | Under 3 minutes |
| Price | Free | $50 – $200 | Free (Premium coming soon) |
What You Get
Tools built for real retirement decisions, not generic advice.
Monte Carlo Simulation
Test your plan against 10,000 market scenarios
See the full probability distribution of your retirement outcomes — from worst-case to best-case — so you know exactly where you stand.
Tax Strategy Engine
Real 2025 federal tax brackets, Roth conversion analysis, withdrawal ordering
Optimize your withdrawal sequence across account types to minimize your lifetime tax burden.
Social Security Optimizer
Compare claiming ages 62–70 with lifetime payout projections
See exactly how much more you could receive by optimizing your claiming age based on your personal longevity and financial situation.
AI-Powered Action Plan
Ranked recommendations with projected dollar impact
Get specific, prioritized action items — not vague advice — with estimated dollar impact for each recommendation.
Institutional Quality, Built for Everyone
The same tools used by professional portfolio managers made accessible for anyone to use, free.
No Account Required
Every calculator, the full planner, and 500 Monte Carlo scenarios — completely free with no sign-up. Upgrade only if you want more.
Institutional-Grade Build
Up to 59 asset classes with forward-looking returns, volatilities, and correlations — the same inputs institutional investors use.
Simple but Comprehensive
Monte Carlo simulation, tax-efficient withdrawal strategies, Roth conversion analysis, and Social Security optimization — all in one place, no spreadsheets needed.
Simple Pricing
No hidden fees. No credit card required to start.
Free
$0
Everything you need to start
- All 5 calculators
- 500 Monte Carlo scenarios
- Portfolio analysis
- No sign-up required
Premium
$89.99/year
Full power for serious planning
- 10,000 Monte Carlo scenarios
- Tax strategy engine
- What-if scenario comparison
- AI-powered action plan
Also available monthly at $9.99
Your retirement shouldn't be a guess.
Run your first simulation in under 3 minutes.