Retirement planning & decision tools

Make retirement decisions by plan, not by guesswork.

Explore the financial decisions that shape retirement—taxes, spending, Roth conversions, Social Security, portfolio choices and where you live—with practical tools built to make the tradeoffs easier to understand.

Start with Retirement Planner

Model how your retirement plan may evolve over time using your spending, income, Social Security, portfolio assumptions, taxes, longevity and other important planning inputs.

Available now

Retirement Planner

Explore your Base Case, deterministic stress-test scenarios, Monte Carlo outcomes and spending capacity in one integrated retirement planning model.

Open Retirement Planner

Retirement planning analysisPlan through retirementTest spending, portfolio outcomes, stress scenarios and longevity risk using your own assumptions.

Start with MoveTax

Compare estimated 2026 state income taxes across all 50 states + Washington, D.C. using your own mix of wages, investments, retirement income, Roth conversions, capital gains, pension and Social Security.

Available now

MoveTax

See how a move from one state to another could affect your state income taxes. Compare every state, test additional Roth conversions or capital gains, and see the potential difference over time.

Open MoveTax

State income tax comparisonAll 50 statesBuilt around your income mix—not just a generic salary.

A growing retirement planning toolkit

RetireByPlan is being built as a collection of connected tools for important decisions before and during retirement.

Retirement Planner

Model retirement scenarios, spending capacity, portfolio outcomes and longevity risk.

Available now

Budgeter

Build a realistic retirement spending plan and understand where the money goes.

Coming soon

Adaptive Retirement Portfolio Allocator

Explore portfolio allocation scenarios in the context of retirement objectives and changing conditions.

Coming soon

Roth Conversion Planner

Compare conversion amounts and timing while examining taxes and long-term outcomes.

Coming soon

Tax Planner

Understand how retirement income sources interact and estimate the tax consequences of planning decisions.

Coming soon

Tax Drag Estimator

Estimate how taxes can affect investment returns and long-term portfolio value.

Coming soon

MoveTax

Compare estimated state income taxes across all 50 states + D.C. using your own retirement and investment income mix.

Available now

Social Security Planner

Explore claiming strategies and how benefits fit into the broader retirement plan.

Coming soon

Sequence of Return Risk Analyzer

See how the order of investment returns can dramatically change retirement outcomes even when long-term returns are similar.

Coming soon

Designed around decisions

See the tradeoffs

Compare alternatives side by side instead of relying on a single rule of thumb.

Use your situation

Model the mix of income, taxes and assumptions that actually matters to your retirement.

Keep it understandable

Powerful calculations should still produce results you can read, question and use.