Free retirement planning & simulation
See your retirement future with clarity and confidence.
SimuPlan helps you explore what's possible, test different scenarios, and understand the why behind every result.
- Private by Design
- No Sign Up
- 100% Free
- Ad Free
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Try a SimuPlan calculation
What might your retirement number be?
Enter a few essentials for a quick planning range based on your spending, retirement income, timeline, and a mix of randomized and historical market paths.
- A simple starting estimate
- A quick market stress check
- Results shown in today's dollars
Quick planning result
A retirement range to explore
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quick planning target
A simple estimate based on steady average growth. The range above goes further by testing many different market outcomes.
How this quick estimate works
SimuPlan first creates a simple estimate from your retirement timeline, spending, and expected income. It then checks how much would have been needed across many simulated futures and historical market periods.
The three targets represent increasing levels of cushion. They are starting points for exploration, not guarantees or personalized financial advice.
This quick check uses a simplified retirement cash-flow model so you can get a useful starting range in seconds. Build a full SimuPlan plan to unlock the more detailed account-by-account projection and simulation experience, including taxes, contributions, withdrawal strategy, changing income, Social Security timing, and year-by-year results.
Try it first
Try SimuPlan before entering your own numbers.
Explore a fully built demo retirement plan with sample balances, projections, simulations, scenarios, and explainability already loaded. No setup required.
What you'll see in the demo:
- Projection dashboard
- Monte Carlo & historical simulations
- Real balance tracking examples
- Scenario comparisons
- Plain-English insights and explanations
Planning workspace
A clearer way to pressure-test retirement decisions.
SimuPlan brings projections, real balance tracking, scenarios, and simulation readouts into one private browser-based workspace.
Real balances, no credentials
SimuPlan can strengthen projections, comparisons, and simulations with imported account balances, giving you account aggregation-style context without connecting your financial logins.
New in SimuPlan
Retirement Resilience Review
Stress-test your plan. See what matters most.
We test your plan against 15 real-world planning pressures, rank the toughest result, and evaluate six practical responses to see what improves it—so you can see where your plan is strong, where it is sensitive, and what to watch.
Test the plan
Apply retirement, spending, inflation, market, and longevity pressures.
Rank what matters
Identify the result that deserves the most attention.
Test responses
See which practical changes help—or whether staying the course is strongest.
Explain the result
Understand what was tested, why it ranked first, and what to watch next.
Retirement-date boundary found
Your age-65 plan clears the review, but age 63 misses the starting target.
Current plan
Age 65 passed
Pressure tests
13 of 15 stayed within every rule
Decision boundary
Age 65 was the first tested age to pass
Keeping retirement at age 65 passed all four review checks.
Two life stages
Planning before retirement. Guidance after it begins.
SimuPlan is built to be your lifelong companion as your questions change. Use Planning for Retirement while anyone in the household is still working or the household has not fully retired. Switch to Household Retired Now once everyone in the household is retired.
Planning for Retirement
Build confidence before the leap.
Test retirement ages, savings pace, spending goals, Social Security timing, Roth conversion tradeoffs, market stress, and diagnostic Q&A's before you make the next big decision. Two-person households can also model separate work-end timing, earned income, and contributions for each person.
- Readiness and target-gap summaries
- Scenario and Roth Lab comparisons for spending, taxes, and returns
- Monte Carlo and historical-style stress testing
Household Retired Now
Manage the plan you are living.
Shift from reaching retirement to navigating it: withdrawals, income milestones, MAGI room, tax prep, real balance tracking, and spending guardrails.
- Withdrawal and cushion-focused dashboards
- Health, MAGI, taxable-sale, and quarterly tax workflows
- Actual balances compared against the retirement path
Core tools
Built for planning you can actually understand.
Explain the Result
Plain-language insights translate projections, trends, and trade-offs into readable guidance.
Compare What-Ifs
Save planning branches and compare retirement ages, spending levels, Roth conversion choices, returns, and inflation.
Stress Test the Plan
Use Monte Carlo snapshots and historical-style simulation views to see how durable a plan looks.
Track Real Progress
Import or manually enter balances, brokerage sales, and tax payments to compare actual progress against the projected path.
Money flow story
How does the year reconcile?
Start balance plus growth, minus portfolio cash used, equals the ending balance.
Annual audit trail $2.43M
Financial Explainability Engine
Why did the balance change?
- Investment growth
- +$174K
- Portfolio cash used
- -$77K
- Key observation
- Growth exceeded withdrawals
Explainable by design
Retirement planning that teaches as it goes.
The best plan is the one you understand. SimuPlan gives every projected year a money-flow story, then breaks it down further with a Financial Explainability Engine that shows how balances, spending, taxes, withdrawals, and growth reconcile.
- Annual reconciliation shows how each year moves from start balance to end balance.
- Money added, money used, taxes, income, and account movement are broken into readable pieces.
- Key observations call out the largest drivers instead of hiding them in a table.
Workflow
Get from first plan to useful insight in minutes.
1
Build Your Plan
Enter income, savings, spending, accounts, and retirement timing with guided setup.
2
Read the Projection
See the modeled retirement path, target gap, readiness signals, and annual detail.
3
Test Decisions
Compare saved scenarios and simulation snapshots before changing the real plan.
Decision support
More planning tools, without more noise.
Focused tools for comparing choices, testing plans, reviewing Roth conversion tradeoffs, and understanding what changed.
Scenario Lab
Compare retirement ages, spending targets, contributions, and assumptions side by side.
Diagnostic Questions
Ask focused planning questions and see the model-backed answer in context.
Simulation Lab
Explore probability, stress, and market-history views for the current plan.
Plain-English Insights
Understand what changed, why it changed, and which assumptions mattered most.
Accuracy, transparency, privacy
Retirement math you can inspect.
SimuPlan is not a black box. Its projection and tax engine is built from real federal and state tax rules, checked against benchmark scenarios, and explained throughout the app so you can understand where the numbers came from.
Tax model
Tax-aware by design
Federal and state tax rules inform income timing, taxable sales, deductions, Roth conversion tradeoffs, Social Security treatment, MAGI-sensitive planning, and tax-payment workflows.
Benchmarks
Cross-Checked With Retirement and Tax Tools
SimuPlan's projections and tax estimates are regularly compared with well-known planning and tax calculators so the numbers stay grounded and reasonable.
Learn more ->
Explainability
The math stays visible
Annual cash flows, balances, taxes, withdrawals, assumptions, and key calculations are surfaced throughout the app instead of hidden behind a single score.
Privacy
Private and portable
Your planning data stays local to your browser. No required login, no account aggregation, and exportable backups when you want to preserve or move your plan.
Learn how local storage works ->Independent project
Independent projectMade by one person, with no ads or subscriptions.
SimuPlan is an independent retirement planning project built to stay private, understandable, and free to use.
Ready when you are
See your retirement path more clearly.
Plan privately, test decisions, and understand the why behind every result.
Start Your Plan No sign up. No ads. No subscription required.