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Retirement planning
built for uncertainty.

Most calculators give you one nest egg number, as if the market returns were the same every single year. RetirFi runs up to 1,000 scenarios so you can see the full range of outcomes and plan for uncertainty, not just averages.

Start Planning Free →
No account needed  ·  Auto-saves locally  ·  No spam

Everything a serious plan needs.

Features you'd pay for elsewhere, free.

Monte Carlo Simulation
Run up to 1,000 randomized market scenarios using historical volatility. See the probability of success, and not just one projected nest egg number.
Tax-Aware Drawdown
Optimal withdrawal order across Taxable → Cash → Traditional → Roth accounts, minimizing lifetime tax drag on your retirement income.
Social Security Modeling
Estimate your benefits from 62 to 70, including spousal benefit calculation. Set your COLA inflation adjustments in your retirement.
RMD Modeling (SECURE 2.0)
Required Minimum Distributions automatically calculated starting at age 73 or 75 based on your birth year, per current IRS rules.
Liability Amortization
Model your mortgage, car loans, and student debt. Watch balances pay off over time and see how freed-up cash flow improves your projections.
Year-by-Year Breakdown
See every year of your retirement plan (income, withdrawals, account balances, RMDs, and Social Security) pulled from actual simulation paths.
Goal Tracking
Set retirement income targets, down payment goals, and college savings milestones. See probability of hitting each one across all simulations.
Real vs. Nominal Dollars
Toggle between inflation-adjusted and nominal projections. See what your money will actually buy, not just what it says on a statement.
Your Data Stays Private
No account required. Everything saves to your browser's local storage. Nothing is sent to our servers unless you choose to save your plan.

Up and running in 5 minutes.

No signup. No tutorials. Just your numbers.

1

Set your targets

Age, retirement target, Social Security claiming age. Takes 60 seconds.

2

Add your finances

Income, assets (401k, Roth, brokerage), expenses, and any debts.

3

Run the simulation

Click Run and get your probability of success across 200–1,000 scenarios instantly.

4

Adjust and rerun

Change retirement age, withdrawal rate, or savings rate. Come back and rerun whenever life changes.

Your retirement plan starts here.

Open the Calculator →