01
Can my money last?
See how your plan holds up across good markets, ordinary markets, and difficult retirement sequences.
RetireNerd Retirement Planner & Modeler
Free retirement modeling software
Build your plan. Model the possibilities.
Markets do not move in a straight line, taxes matter, and retirement lasts for decades. RetireNerd lets you test your own numbers across thousands of possible market paths and see how the pieces work together.
No signup
2,000 simulated market paths
Your numbers, your plan
Retirement decisions do not happen one at a time.
When you change your retirement age, savings, investments, spending, Social Security timing, or Roth conversion plan, something else usually changes too. The Retirement Planner & Modeler helps you see those tradeoffs together.
02
How much can I spend?
Test a spending target instead of guessing whether a rule of thumb fits your situation.
03
What if I retire sooner?
Move your retirement date and see how fewer working years and more withdrawal years change the picture.
04
Should I change something?
Compare scenarios and find which decisions actually move the needle instead of changing things blindly.
START SIMPLE
You can get a useful result without building a spreadsheet.
Quick Start asks for the handful of numbers that matter most: age, retirement date, savings, contributions, Social Security, spending, and a simple investment mix.
- Use a simple stock-and-bond mix
- Get a retirement projection quickly
- Move into the full planner and modeler when you want more detail
NEW: SAVED PORTFOLIOS
Save an investment mix once. Use it whenever you model a plan.
Give your current fund lineup, allocation and tax treatment a name. You can switch between saved portfolios instantly without running a projection first.
Save each mix
Keep a current portfolio, a more conservative option or another allocation you want to compare.
Switch instantly
Load any saved portfolio into the model without entering every fund and percentage again.
Combine portfolios
Select two or more saved portfolios and the model combines matching tax treatments and routes each account type to the right balance.
GO DEEPER WHEN YOU WANT TO
See where the money is coming from, year by year.
A retirement result should not be a mysterious percentage. Follow the plan through time and see balances, Social Security, portfolio withdrawals, taxes, and spendable income.
Portfolio analysis
Monte Carlo simulation
Year-by-year projection
Historical stress test
Roth conversion modeling
Sequence risk
BUILT FOR “WHAT IF?”
Change the decision. See the consequence.
62 or 65?
Compare the cost of leaving work earlier against the value of more time.
Claim now or wait?
Use the benefit amount for the age you actually expect to claim.
What can I afford?
Test the lifestyle you want and see how much flexibility the plan has.
Convert or leave it?
Explore conversion timing alongside future withdrawals and taxes.
Am I taking too much?
Model your real funds or a simple allocation and compare the tradeoff.
What if markets fall early?
Stress-test the years when withdrawals and market losses can collide.
WHY RETIRENERD BUILT IT
Because a retirement plan should be understandable.
You should be able to look at a result and understand why it changed. RetireNerd is designed to make the moving parts visible instead of hiding everything behind one score.
It is educational planning software—not a promise, prediction, or replacement for professional advice. The purpose is to help you ask better questions and make more informed decisions.
FREE TO USE
Model My Retirement →
Put your retirement plan to the test.
Start simple. Add detail when you are ready. Change the assumptions as many times as you want.
RetireNerd is an educational planning tool and does not provide individualized financial, investment, tax, legal, or healthcare advice. Results are estimates based on the information and assumptions entered.