Get a second opinion
on your retirement number.
See if your number holds up, when you'll reach it, what could break your plan and which changes matter most.
Know your odds. Change them.
1,000 simulations. 95+ years of real market history. See exactly where your plan stands, and what moves the needle.
23 years from now
Confidence across 1,000 simulations
Retirement income sources
Each step shaves years off your retirement date.
Claiming at 67 vs. 62 = $100K+ more over your lifetime. Find your optimal age.
Track your trajectory. Bars turn green when you cross your goal.
All your accounts, one projection. Stop guessing, start knowing.
No credit card. No signup required.
Small changes, big impact
Real calculations from our engine
Example assumes 7% return, 3% inflation, 30-year horizon. Your results will vary.
How it works
Why RetireNumber
In under a minute you get: your projected retirement date, success odds across 1,000 scenarios and how your plan held up in history. No signup required. Full detail →
Everything you need to plan with confidence
Advisor-grade tools, simplified for individuals.
Retirement date projection
See exactly when you'll reach your target with 3 scenario projections.
Top moves analysis
Know which changes have the biggest impact on your timeline.
Monte Carlo simulation
1,000 simulations to find your probability of success.
Historical backtesting
Test your plan against 95+ years of market data since 1928.
Social Security optimizer
Find your optimal claiming age and maximize lifetime benefits.
Multi-account support
401(k), IRA, Roth, HSA and taxable accounts with contribution limits.
Go deeper with advanced tools
Model the details that actually change outcomes. All included in Pro.
Withdrawal strategies
Compare fixed, variable and bucket strategies. See how long your portfolio lasts under each.
Tax planning suite
Roth conversion ladders, capital gains optimization, tax-loss harvesting and RMD scheduling.
Spending flexibility
Simulate spending cuts during downturns. Get a flexibility score and see your floor vs. ceiling.
Life events timeline
Model pensions, inheritances, college costs and healthcare expenses at specific ages.
Longevity analysis
Actuarial survival probabilities and portfolio ruin risk. Plan for how long you'll actually need.
Scenario comparison
Compare up to 5 what-if scenarios side by side. See which assumptions change your retirement date.
Plus state tax comparison, real estate analysis, inflation modeling and couples planning.
Get ProCancel anytime
Simple pricing
Start free. Upgrade when you're ready for advanced tools.
Validate your number and timeline.
- Quick Verify with growth chart
- Historical backtesting
- Monte Carlo simulations (1,000 runs)
- 1 saved plan with 2 scenarios
- Top 3 moves analysis
$4.08/mo billed annually
Model the details that change outcomes.
- Unlimited plans & scenarios
- Tax & withdrawal planning
- Couples & life events
Cancel anytime
one-time payment
All Pro features forever.
- Everything in Pro
- One-time payment
- All future updates
for financial professionals
Help your clients plan for retirement.
- Manage up to 25 clients
- Client dashboard
- White-label reports
Answers, already worked out
Every one of these runs the same engine as the planner. Change the inputs on any of them and the answer moves with you.
Can I retire at 55 with $1M?
160 scenarios pairing a retirement age with a portfolio, each solved against a horizon-adjusted withdrawal rate.
What do I need to spend $80k a year?
The grid inverted. Start from the spending and work back, with Social Security counted rather than ignored.
Is $1 million enough?
Answered from every 30-year retirement since 1928 rather than from a rule of thumb.
What do retirement taxes cost by state?
All 51 ranked on the same income. Texas lands 37th despite having no income tax.
When should I claim Social Security?
Nine claiming ages with the break-even shown twice: at face value, and discounted.
How much should I have saved by 40?
Computed from the engine, not quoted. The right multiple of salary rises with income.
What is my Coast FIRE number?
The balance that reaches retirement on compounding alone, at every age from 25 to 50.
How long if I save 30% of my income?
Ten savings rates, and the reason your salary never enters the calculation.
Does the 4% rule actually work?
Five withdrawal rates tested across four retirement lengths against real market history.
How we handle your data
We built RetireNumber with privacy as a core principle, not an afterthought.
Do you link to my bank accounts?
No, never. We don't use Plaid, Yodlee or any account aggregation service. You enter your numbers manually, which means there's no connection to your actual accounts that could be compromised.
Where is my data stored?
Your data is stored securely in the cloud (Supabase) so you can access it from any device. All data is encrypted in transit and at rest. We use row-level security so only you can access your data.
Can you see my financial information?
We can see that data exists in our database, but we don't access, analyze or sell your personal financial information. Your data is used solely to power your retirement projections.
Do you sell my data?
Absolutely not. We don't sell your data to advertisers, data brokers or anyone else. Our business model is simple: you pay for Pro features. That's it.
Can I delete my data?
Yes. You can delete individual plans from your dashboard, or delete your entire account from the account settings page. When you delete your account, all your data is permanently removed.
What about ads and spam?
We don't show ads. We don't sell your email to marketers. We won't call you to upsell financial products. You might get occasional product update emails, but you can unsubscribe anytime.
Ready for a second opinion?
Start for free. See your projected retirement age in 60 seconds.
2,100+ plans analyzed · No credit card required · Cancel anytime