Monte Carlo simulations. Real market data. No spreadsheet guesswork. RetireMe stress-tests your plan against 154 years of empirical returns — up to 10,000 paths — and shows you the distribution of outcomes, not a single optimistic projection.
Skip the generic calculators. Get institutional-grade analysis that actually accounts for market volatility, sequence risk, and the tax brackets you'll actually pay.
Bootstrap-resampled from historical years to preserve real stock-bond correlation. Up to 200 paths on Free, 10,000 on Retirement Confidence. See the probability of success, not a single optimistic projection.
Pull live prices, historical returns, and volatility automatically. Override any value. Every assumption is yours.
Watch the gap widen as assets compound at different rates.
Coast · Barista · Lean · Fat. Four variants, one calculator.
Model safe withdrawal rates with inflation. Know the floor, not just the average.
From inputs to insights in under two minutes.
Add assets by ticker. We pull current prices, historical returns, and volatility automatically. Override any value — every input is yours to edit.
~ 45 sec · 5+ tickersChoose a target retirement date (or explore a range). Set expected spending, inflation assumptions, contribution amounts, and claim age.
~ 30 sec · all editableGet instant deterministic projections or run Monte Carlo for full probability distributions. Click any number to see the math.
~ 800 ms · 10,000 pathsRetireMe is the opposite of a black box. Every formula, every assumption, every dataset is documented. Click any number in the simulator to see the citation, the dataset, and the version of the code that produced it.
We don't assume returns are normally distributed — they aren't. We resample real annual tuples from 1871, preserving stock-bond correlation within each year.
A 30% drop in year two depletes a portfolio you're actively withdrawing from far more than the same drop in year twenty-eight. We model and surface both.
Return premia, inflation, tax brackets, Social Security claim age — all editable, all logged, all visible alongside each output. No magic numbers.
Created by FIRE-community practitioners frustrated with oversimplified calculators that ignore sequence risk and tax order.
Finally, a calculator that understands sequence-of-returns risk. The Monte Carlo visualization changed how I think about my FIRE number.
I used to maintain a complex spreadsheet. This does everything my spreadsheet did, plus simulations I could never build myself.
The real-time updates as I adjust my savings rate are addictive. Small changes immediately show up in my retirement date.
Free is the trial. Retirement Confidence is the retirement planner. Investing Engine bundles it with TradingView indicators for active traders. Founding members lock in below-standard rates for life — 100 RC slots, 50 IE slots.
Try the methodology. No card. No clock.
“Know exactly when you can retire — and that you'll stay retired.”
FOUNDER · $108 / yr · billed annually
Standard $12/mo annual or $19/mo monthly once 100 founder slots fill.
“Grow the portfolio. Know when it's enough.”
FOUNDER · $1,188 / yr · billed annually
Standard $119/mo annual or $149/mo monthly once 50 founder slots fill.
Standard pricing applies once founder slots fill · Cancel any time · No refunds on annual
Methodology, security, pricing, scope. If something is missing, the docs go deeper.
Your future self will thank you for running the numbers today.