Maximize Retirement Income. Minimize Ruin.
Monte Carlo portfolio simulation, Social Security claiming optimization, tax-bracket-aware withdrawal sequencing, and Roth conversion strategy -- all in one analysis. The difference between the right and wrong withdrawal order can be $100,000+ in lifetime taxes. Powered by SSA, IRS, and FRED data.
Free basic simulation. No signup required. Data from SSA, IRS, FRED, BLS.
Advisor-Grade Analysis at a Fraction of the Cost
The same Monte Carlo and tax optimization used by fee-only fiduciary advisors -- applied to your specific accounts, income sources, and state tax situation.
Monte Carlo Portfolio Simulation
10,000+ trials sampling from historical return distributions with serial correlation. Model annual withdrawals against a declining portfolio to compute ruin probability at each age.
Social Security Break-Even
Mortality-weighted NPV of claiming at ages 62-70, incorporating spousal and survivor benefits. See exactly when earlier claiming breaks even against delayed filing.
Tax-Optimal Withdrawal Sequencing
Dynamic optimization to determine the best annual draw order across taxable, Traditional IRA/401(k), and Roth accounts. Minimize lifetime tax burden, not just this year's.
Roth Conversion Optimizer
Identify optimal annual conversion amounts that fill lower tax brackets without triggering IRMAA surcharges or Social Security benefit taxation thresholds.
RMD Integration
IRS Uniform Lifetime Table applied to tax-deferred accounts starting at age 73 (75 after 2033 per SECURE 2.0). Forced distributions override withdrawal sequencing automatically.
IRMAA Avoidance Strategy
Model Medicare premium surcharge thresholds and plan withdrawals and Roth conversions to stay below IRMAA income brackets. Can save $2,000-$10,000+ per year in Part B/D premiums.
How It Works
Enter Your Retirement Profile
Age, portfolio balances by account type, asset allocation, Social Security estimate, desired spending, and state of residence. Takes about 5 minutes.
We Optimize Your Strategy
Monte Carlo simulation, SS claiming optimization, tax-optimal withdrawal sequencing, Roth conversion scheduling, RMD integration, and IRMAA avoidance -- all automated.
See Your Optimal Plan
Year-by-year withdrawal schedule, SS claiming recommendation, Roth conversion plan, ruin probability analysis, and a downloadable PDF with the full strategy.
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Ready to Optimize Your Retirement?
Enter your retirement profile and get a complete withdrawal strategy in minutes. Monte Carlo ruin analysis, Social Security claiming recommendation, year-by-year withdrawal schedule, and Roth conversion plan -- all in one report.
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