About
Retirement Planning Shouldn't Be a Black Box
We built RetireWise because everyone deserves access to the same tools the professionals use.
The Problem
Most people approach retirement with a spreadsheet and a prayer. They plug in an average return, assume everything goes according to plan, and hope for the best.
Meanwhile, financial advisors run Monte Carlo simulations, model tax brackets, and optimize withdrawal strategies — but that analysis costs thousands of dollars a year and often happens behind closed doors.
We thought that was backwards. The math isn't secret. The data is public. The only thing missing was a tool that put it all together in a way anyone could use.
What We Built
RetireWise is a professional-grade retirement planning platform that runs up to 10,000 Monte Carlo simulations using real tax brackets, Social Security rules, and institutional capital market data.
Every feature is designed around one principle: show people what the math actually says about their retirement. Not a single average. Not a best-case scenario. The full probability distribution.
The core tools are free. No sign-up, no email gate, no bait-and-switch. Premium features unlock deeper analysis for people who want the full picture.
How We Work
Transparency
Every data source is cited. Every model is documented. If you want to know how a number was calculated, the Methodology page tells you.
Accessibility
The free tier isn't a demo. It includes all five calculators and the full retirement planner with 500 Monte Carlo scenarios. We believe everyone should have access to these tools.
Accuracy
We use 2025 IRS tax brackets, JPMorgan capital market assumptions, and nearly a century of historical return data. When regulations change, we update same-day.
Who Uses RetireWise
DIY planners
People who want to understand their own numbers before (or instead of) hiring an advisor.
Pre-retirees
Within 5-10 years of retirement and need to stress-test their plan against real market scenarios.
FIRE community
Early retirement planners who need more rigorous analysis than basic 4% rule calculators.
Advisors & their clients
Financial professionals who use RetireWise as a client-facing planning tool and educational resource.