FREE · US RETIREMENT PLANNER · 2026 DATA
10,000 futures.One honest plan.
The retirement calculator that factors in your spouse and reality — not just a cheerful average. Runs 10,000-path Monte Carlo with 2026 Social Security, Medicare, and inflation data built in.
Data sources
LIVE EXAMPLE · COUPLE AGE 45 · $380K SAVED
10,000 simulations
Y-axis scaled to median path’s peak. Some simulated paths extend above the visible range — see the percentile table for the full distribution.
median $2.3M · 10th pct $890K · depletion age 91
Real Monte Carlo — not a single “average” answer.
Not just averages.
10,000 simulated futures show the probability of success — and the shape of the tail.
Your spouse, modeled.
Two earners and two Social Security claim ages, not a single-person average. Couples adds survivor, dependent-care and legacy forecasts.
Specific shortfall fixes.
"Contribute $340 more/month OR retire 14 months later" — not vague warnings.
Free tools · No sign-up
Quick answers to the questions everyone asks before retiring
Each tool answers one question in seconds, right in your browser, using 2026 rules checked against SSA, IRS and CMS sources. Nothing you type is stored.
- Retirement milestonesWhich money deadlines are coming up for me — and when?Open tool
- Social Security break-evenWhen does waiting to claim Social Security pay off?Open tool
- RMD calculatorHow much must I withdraw for my RMD, and by when?Open tool
- IRMAA calculatorWill I pay a Medicare surcharge, and can I appeal it?Open tool
- Roth conversion headroomHow much can I convert to Roth before the next bracket or IRMAA tier?Open tool
- State tax comparisonHow much would I save, or pay, in state tax by moving in retirement?Open tool
- How long will my money last?Will my savings last at this level of spending?Open tool
- Pension: lump sum or monthly?Should I take my pension as a lump sum or monthly payments?Open tool
- Health insurance before 65What will health insurance cost until Medicare at 65?Open tool
- Rule of 55 + 72(t)Can I take money out before 59½ without the 10% penalty?Open tool
WHY THIS WORKS
Built on the same math the brokerages use, made honest about uncertainty.
Vanguard, Fidelity, and Schwab all run Monte Carlo simulations to model retirement uncertainty. Yearfold uses the same methodology — 10,000-path historical bootstrap from 1928–2025 market data — but makes the assumptions visible and the output specific. Every number on this site traces to a primary source. Every plan is shareable via URL. The math is open; only the implementation is ours.
BUILT ON THE BEST PUBLIC DATA
Same methodology as the major brokerages — radically more transparent.
Yearfold runs the same Monte Carlo methodology you’ll find in Vanguard, Fidelity, Schwab, ProjectionLab, and Boldin — but with every assumption, every data source, and every result published. Most calculators don’t show their work. We do. See how Yearfold compares
METHODOLOGY
10,000-path Monte Carlo, 1928–2025 historical bootstrap
MARKET DATA
Robert Shiller / Yale online data
INFLATION
U.S. Bureau of Labor Statistics CPI-U
SOCIAL SECURITY
Social Security Administration 2026
HEALTHCARE & TAXES
CMS 2026 Medicare + IRS contribution limits
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