PRICING
Start Free. Upgrade When You're Ready.
No credit card. No email required. Just open the planner and go.
Free
$0
Everything you need to explore
- All 5 retirement calculators
- Full Retirement Readiness Planner
- 500 Monte Carlo scenarios
- Portfolio analysis & allocation
- No sign-up required
Premium
$89.99/year
Full power for serious planning
- 10,000 Monte Carlo scenarios
- Tax Strategy engine with 2025 brackets
- What-If scenario comparison
- AI-powered action plan
- Roth conversion analysis
- Priority support
Also available monthly at $9.99
Common Questions
Do I need to create an account?
No. You can use every calculator and the full planning tool without signing up. We only ask for an account when you want to save your plan or access Premium features.
What's included in the free version?
Everything except the Tax Strategy engine, What-If scenarios, AI action plans, and the full 10,000-scenario Monte Carlo simulation. The free tier includes 500 scenarios, which is still more than most tools offer.
Can I cancel anytime?
Yes, cancel in one click from your dashboard. No questions asked, no hidden fees. If you cancel, you keep access through the end of your billing period.
How is this different from a financial advisor?
RetireWise uses the same Monte Carlo simulation methodology that advisors use, but you run it yourself in minutes. It's a complement to professional advice, not a replacement — many users share their RetireWise results with their advisor to make sessions more productive.
What data sources do you use?
2025 IRS tax brackets (Rev. Proc. 2024-40), JPMorgan Capital Market Assumptions with 9 asset classes, and historical returns since 1928. Everything is documented on our Methodology page.