Monte Carlo
Success Rate
Status
On Track
Am I okay for retirement?
Our free retirement calculator with pension and Social Security gives you a clear answer in just 5 minutes. No spreadsheets, no jargon, no anxiety. Just honest insights about your financial future.
Free to start · No credit card · No bank connections
Three Steps to Peace of Mind
Can I retire? Get clear answers.
Our can I retire calculator makes planning fast, simple, and stress-free.
Answer Simple Questions
Tell us about income, savings, expenses, and when you want to retire. Takes about 5 minutes.
Get Your Forecast
We project 50 years of income, Social Security, federal taxes, and account growth, automatically.
Explore What-Ifs
Model retiring early, a windfall, or spending changes with the Scenario Manager.
Forecast
50 Years
Everything You Need
A retirement calculator that fits in your pocket.
Our couple retirement calculator pairs real Social Security math, federal tax modeling, and Monte Carlo simulations with a simple Scenario Manager. Answer "can I afford to retire?" with clarity in five minutes.
Retirement calculator for couples and individuals
Accurate Social Security & federal tax modeling
Scenario planning with Monte Carlo simulation
Mobile-first design with privacy-first architecture
Can I afford to retire calculator with detailed projections
Loved by Early Planners
Join other US households getting clarity on their future.
“Finally, a tool that balances simplicity with depth. I modeled my retirement scenarios in 5 minutes without a degree in finance.”
Sarah J.
Planning for 2030
“The Monte Carlo simulations gave me a clear picture of the probabilities. It's reassuring to see the math behind the plan.”
Michael R.
Retired 2024
“We used to get lost in complex spreadsheets. fidser. helped us visualize our shared future and savings goals clearly.”
David & Lisa
Couple, 45 & 42
What's Your "What If"?
Our retirement calculators for couples show how a sabbatical, a new home, or retiring early changes your outlook.
What-if
Retire early at 60
You are on track to meet your expenses in retirement.
- Net worth
- $1,450,000
- Monthly income
- $6,200
- Years until depletion
- Never
Modifications
- Update retirement age to 60
What-if
Take international holiday
You can afford this dream trip and stay on track.
- Net worth
- $1,435,000
- Monthly income
- $6,200
- Years until depletion
- Never
Modifications
- One-time expense of $15,000 in 2026
What-if
Take a Sabbatical in 2027
You can afford this break and still meet your goals.
- Net worth
- $1,380,000
- Monthly income
- $6,200
- Years until depletion
- Never
Modifications
- One-time expense of $25,000 in 2027
- Income change to $0 in 2027
*Projections are hypothetical examples for illustration only, based on historical data and general assumptions. Actual results will vary. This is not financial advice. Learn more
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The Emotional Side of Retirement Planning Nobody Talks About
You've crunched the numbers, checked your 401(k) balance, and maybe even talked to a financial advisor. So why do you still feel anxious about retirement? Here's what nobody tells you: the emotional side of retirement planning can be just as challenging as the financial part.
How Federal Taxes Work in Retirement (Not What You Expect)
Here's a surprise: not all retirement income is taxed the same way. Some of your money will be fully taxed, some partially taxed, and some tax-free. Understanding which is which could save you thousands every year.
Sequence of Returns Risk: Why Early Retirement Years Matter Most
Two retirees start with identical nest eggs, experience the exact same market returns, and withdraw the same amount each year. Yet one runs out of money 15 years before the other. How is this possible? The answer lies in a retirement risk most people have never heard of.
Simple, Transparent Pricing
Free retirement calculator with optional Pro features.
Free
$0
forever
- ✓Single or couple retirement planning
- ✓Base case scenario
- ✓Deterministic forecast
- ✓50-year projection
- ✓Social Security + tax calculations
Pro
$9.95
per month
- ✓Everything in Free
- ✓Base + 5 what-if scenarios
- ✓Monte Carlo simulations
- ✓Success probability analysis
- ✓Side-by-side scenario comparison
Ready to Answer "Can I Afford to Retire?"
Whether it's adventures abroad, peaceful mornings, or quality time with loved ones - our free retirement calculator helps you know you're on track to live the retirement you've earned.
No credit card required · Free to start · 2 minutes to sign up