Know exactly when you can retire — and how much you can spend.
ModernRetire runs 10,000 market simulations, optimizes your Roth conversions, and adjusts your spending automatically — so your plan holds up in any economy.
Built because spreadsheets break, FIREcalc is stuck in 2005, and most tools make you feel like you need a CFP just to run a what-if.
Join the beta? Request early access →
10,000+
simulations per plan
50 states
full state tax modeling
Roth + IRMAA
conversion & Medicare modeling
Free forever
core plan, no credit card
Monte Carlo
See every outcome before you retire
Run thousands of market simulations and view success probability, failure ages, and percentile bands — the same fan-chart view advisors use, built into your plan.
Read: How Monte Carlo Works →
Tax Optimization
Find your ideal Roth conversion window
Model multi-state tax scenarios side by side, bracket-fill conversions, and IRMAA cliffs — then minimize lifetime tax without guessing.
Read: Roth Conversion Ladders →
Scenario Compare
Test every what-if in seconds
Save up to five plans and compare retire age, spending, taxes, and Roth conversions side by side — pin a reference column while you scroll.
Read: Retire at 60 vs. 65 →
Your Complete Retirement Toolkit
Dynamic Spending
See exactly how much you can spend each year — even if markets crash. Guardrails adjust withdrawals automatically so you never run out.
Read: Dynamic Spending & Guardrails →IRMAA Planning
Spot when Roth conversions or RMDs trigger Medicare surcharges. Model IRMAA cliffs before a single dollar of income pushes you into a higher bracket.
Read: IRMAA Planning →Social Security
Compare claiming at 62, 67, or 70 and see lifetime benefits — plus how timing shifts your plan's success probability.
Read: Social Security Optimization →Withdrawal Order
Know which accounts to tap first — taxable, traditional, or Roth — to stretch your portfolio and cut lifetime taxes without guesswork.
Read: Withdrawal Order Strategy →How It Works
Step 01
Connect Your Numbers
Enter your accounts, income, and expected expenses. Takes about 5 minutes.
Step 02
Run Your Scenarios
ModernRetire simulates thousands of market conditions and generates your personalized retirement roadmap.
Step 03
Optimize and Monitor
Adjust spending, Roth conversions, and withdrawal strategies — and watch your success probability update in real time.
Learn Center
Free retirement planning guides — from foundations to advanced strategy.
Sharpen your plan before you open the app — clear, practical lessons you can read in one sitting. No account, no paywall.
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Early access pricing locks in at $89/year — increases to $129/year at public launch.
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