📊 Simple · Private · Powerful — myretirementtool.com

Know Exactly
When You Can Retire.
Stop Guessing. Start Living on Your Terms.

Stop Wondering. Start Planning. See Exactly When Your Retirement Becomes a Reality.

You've worked hard enough. Model your real life scenarios — home sale, income, spending, and market conditions — and know your retirement date with complete confidence. Your data is your data, not ours — it never leaves your device to ours.

50-YearForward-looking projection
7 ScenariosBudget & spending modes
Your DataNever leaves your device
No subscriptionOne-time payment
✨ Try the free calculator first — no purchase needed ↓
The problem

Retirement planning shouldn't feel this hard

🗺️

"Where do I even start?"

Most tools are either too simple to be useful or too complicated to actually use. You need something that guides you through it step by step.

🏠

"Should I sell my house?"

Downsizing could free up hundreds of thousands in equity — but how does it actually change your 20-year picture? Most tools can't answer that.

🔒

"Who can see my financial data?"

Online tools store your numbers on their servers. Ours doesn't. Your data is your data, not ours. Everything runs in your browser — it never leaves your device to our servers.

What you get

Everything in one place

Built for people who want clarity, not guesswork. No advisor fees, no subscriptions.

IRA & Cash Runway

See the exact year your IRA depletes with a dual-axis chart showing your balance alongside any annual shortfall — then adjust your plan accordingly.

Home Sale & Downsize

Model selling your current home and buying a smaller one. The equity difference flows into your cash position automatically — see the real 30-year impact.

Scenario Stress Testing

Compare base, bear market (2% IRA / 5% inflation), and bull market (8% IRA / 2% inflation) scenarios side by side. Know your plan works in any environment.

Monthly Budget Planner

7 spending scenarios: Current, Projected Retirement, Necessity, Nice-to-Have, Luxury, Rental, and Alt. Living. Every line item modeled across all scenarios simultaneously.

Year-by-Year Living Budget

Enter your actual numbers each year as you live it. The plan automatically reforecasts all future years based on your real ending balances.

Yours Forever

One-time purchase. Runs in your browser. Your data is your data, not ours. It never leaves your device to our servers — we never see your financial information. Export and import anytime.

Simple pricing

One-time purchase. No subscriptions.

Pay once, use forever. A financial advisor charges $250/hour. For the price of lunch you can have your future blueprinted.

🏡
Retirement Planner
Know exactly when you can retire — model your real life scenarios
$29.99
one-time · yours forever · no subscription
  • 50-year year-by-year living budget
  • Home sale & downsize scenario modeler
  • IRA & cash runway chart
  • Monthly budget — 7 spending scenarios
  • SS income coverage analysis
  • Plan summary & print-ready report
  • Net worth tracker — all assets & debts
  • Your data never leaves your device
Get Instant Access — $29.99 →
One-time payment · No subscription · myretirementtool.com
See it in action

Try it right now — free

Enter your numbers. See your retirement picture instantly. No account, no email, no commitment.

📊
Retirement Planner — Free Preview
Your numbers stay in your browser — never sent to us
● Live
Where you are today
years old
dollars / year
dollars / year
total balance today
per year (incl. employer match)
Your retirement projections
years old
pension, SS, rental etc.
at retirement
per month in retirement (often 70–80% of current)
Your retirement snapshot
IRA at retirement
—
SS covers
—
of ret. expenses
Monthly gap
—
from IRA / savings
IRA lasts until
—
IRA balance from retirement onward
Want the complete plan?
The full Retirement Planner adds: home sale & downsize modeling · 7 budget scenarios · 50-year projection · net worth tracker · SS coverage analysis · print-ready plan summary — and lets you enter actuals each year so your plan stays current.
Get Full Access — $29.99 →
One-time payment · No subscription · Your data never leaves this page
What people are saying

Real results from real planners

★★★★★
"I've spent thousands on financial advisors who never showed me a chart this clear. I could see exactly when my IRA runs out — and exactly what I need to do to push that date back 5 years."
Robert M.
Retired engineer, age 64
★★★★★
"The home sale scenario tool changed our plans. We were going to downsize in 2026 but the model showed us we'd actually be better off waiting until 2029. That's a $47,000 difference in equity."
Patricia & James K.
Pre-retirees, Palm City FL
★★★★★
"The compounding chart is the most powerful thing I've ever shown a 28-year-old. Starting at 25 vs 35 with the same total contributions — the gap is shocking. This should be taught in every school."
Sandra L.
HR Manager, age 45
Questions answered

Frequently asked questions

Does my financial data go to your servers?
No. All your data is stored locally in your browser using localStorage. We never see, collect, or store your financial numbers. You can export your plan as a JSON file anytime for backup.
Is this financial advice?
No — these are planning tools for your own use. The outputs are based on assumptions you enter and are hypothetical projections. Always consult a licensed financial advisor for personalized advice before making major decisions.
What happens after I buy?
You'll receive your license key and email address by email within minutes. Open the app in any browser, enter your key, and you're in. Works on Mac, Windows, iPad, and mobile.
How many devices can I use it on?
One license = one installation. If you need to move it to a new device, contact us and we'll sort it out. Family/advisor multi-seat licenses are available.
Do I need to know anything about finance to use this?
No. The tools come pre-filled with reasonable default assumptions. You just update the numbers that apply to you — your salary, SS amount, IRA balance, expenses. Everything else calculates automatically.
I'm a financial advisor. Can I use this with clients?
Yes, with an advisor license. Contact us at support@myretirementtool.com for pricing on multi-client, white-label, and advisor packages.

Your plan. Your data. Your future.

Simple guided inputs, powerful projections, and complete privacy — your data is your data, not ours — it never leaves your device to our servers. Just $29.99.

Get Instant Access — $29.99