RetirementPace
Free retirement planner

The retirement planner that tells you if you’re on pace.

Build a plan in your browser: taxes, Social Security, RMDs and 1,000 simulated markets. Free, private, no bank login. With Plus, record your real balances each month and see whether you’re ahead of or behind pace, and why.

  • A full planner, free. Monte Carlo, federal taxes, Social Security claiming, RMDs and Roth conversions, with every formula documented.
  • Private by design. No account needed. Free plans stay in your browser. No bank linking, no Social Security number, no full birth date.
  • Plan vs. actual, with Plus. Know if you’re ahead or behind, and whether it’s the market or your contributions.

Go to the planner

Will your savings last?

51%chance of successAt risk

In 505 of 1,000 simulated markets, your money lasts the whole plan.

With expected returns, your money lasts past age 95.

In 1 market in 10, it runs out by age 79.

Savings over time (today’s dollars)

Assumes you retire at 65 on a $85,000 salary, spend $50,000 a year (today’s dollars) plus healthcare, get $26,000 a year of Social Security from 67, and plan to 95, with 70% stocks. Change any of it in the full planner.

How pace works

  1. Build your plan

    Savings, income, Social Security and spending. The planner shows if it lasts.

  2. Check in monthly

    Two minutes: type in your balances. No bank login, ever.

  3. See your pace

    Ahead or behind, why, and what it would take to get back on track.

Track your pace every month

RetirementPace Plus saves your plan to your account, tracks your real balances each month and emails you a short pace report: $4 a month or $39 a year. The planner stays free.

Start with PlusSee what’s included

Example pace report

You are 3.2% ahead of pace

  • Market returns+4.1%
  • Contributions below plan−0.9%
  • Plan success rate87% (was 84%)
Illustrative example only. Not a projection for you.