01
Relevant 2026 US tax rules
Federal brackets plus state and local variations, with standard deductions and RMD schedules. Every rate carries a source citation.
Retirement Calculator 2026
How long will your retirement savings last?
See your expected finances year by year, and how the outcome shifts with different returns, spending, and retirement ages. Every rate and assumption is visible.
What you get
Retirement Calculator 2026
02
500 possible market paths
We run 500 different market scenarios so you can see how robust your plan is if returns turn out better or worse than expected. (The technique is called Monte Carlo, see the method section for details.)
03
All US retirement sources
Social Security, 401(k), Traditional IRA, Roth IRA, HSA. Modeled against documented US rules with visible sources.
Detail
How the tool is built
Overview
All inputs, KPIs, and charts on one screen
A single tab collects it all: your numbers, the calculation result, and the charts you would show your spouse to explain the math.
Tax
2026 US tax calculation with source per rate
Federal brackets, state income tax, Social Security taxation, IRMAA thresholds. Each figure links to its source and the last update date.
Robustness
500 possible market paths with probabilities
Instead of a single average, you see 500 different paths. The chart shows the spread, the median, and the probability the money lasts.
Detail
Year-by-year view from now to age 95
Each year is one line: Social Security, savings, tax, spending, net worth. No summarizing, no hidden columns.
Sources
Sources and assumptions
Show sources and assumptions
IRS, Social Security Administration, MSCI World, Bureau of Labor Statistics. Source URLs are visible in the spreadsheet, with the date of the last update.
Pricing
Three ways to get access
Pick the format that fits. Every option is covered by a 14-day money-back guarantee.
Excel
A single tool
$39 per tool
- Excel + Google Sheets
- Yours forever
- Yearly tax updates included
- 14-day money-back guarantee
Monthly
All 6 tools
$9 per month
- Web app + Excel export
- Continuous updates
- Priority email support
- Cancel anytime
Lifetime
All 6 tools, no renewal
$299 $149 one-time
For the first 100 buyers. After that, $299.
- All 6 tools, no renewal
- Web app + Excel export, permanent access
- Direct email to the founder
- One-time payment
- Break-even after 20 months vs monthly
FAQ
Frequently asked questions
Do I have to write formulas?
No, you fill in marked cells and everything calculates automatically.
What information do I need to have ready?
See the full list on the product page before buying. The basics: age, retirement account balances, expected spending.
Does it work on Mac and Windows?
Yes, plus Google Sheets. We send both versions after purchase.
Where is my data stored?
The Excel version stays on your own computer. We never see your numbers.
Is this financial advice?
No. It is a planning tool. Always consult a licensed advisor before major decisions.
Refunds?
14-day money-back guarantee, no questions asked.