Three quick steps. One detailed roadmap.

Get a quick read on where you stand. Answer plain-language questions. Then see how your income, savings, taxes, healthcare, home, and timing work together.

1

Take the 60-second
gut check

Enter your age, current savings, and monthly spending goal. Get a snapshot of what your retirement looks like before seeing a more detailed view.

No login required
2

Tell us about your life and money

Answer guided questions about your household, work, income, savings, spending, healthcare, home, and future choices. Estimates are fine.

Plain language. No spreadsheet required.
3

See where you stand

RetireRebel runs the numbers year by year. See what your savings support, which assumptions matter most, and what changes do to your roadmap.

Detailed numbers when you want them
Start free

Your whole retirement, working together.

RetireRebel models the pieces that actually affect one another over time, not a handful of isolated calculators.

Income and saving

RetireRebel accounts for:

  • Each person's retirement date
  • Social Security claiming dates
  • Social Security earnings tests and cost-of-living increases
  • Pensions, annuities, and part-time income
  • 401(k), catch-up, and Roth contributions

It tracks what comes in before and after retirement.

Savings and withdrawals

RetireRebel accounts for:

  • Pretax, taxable, and Roth accounts
  • Contribution growth
  • Withdrawal order
  • Required minimum distributions
  • Capital gains and taxable cost basis
  • Need-based and fixed-rate withdrawals

It tracks where your money sits, how it grows, and where withdrawals come from.

Taxes and Roth strategy

RetireRebel accounts for:

  • Federal and state taxes
  • Social Security taxation
  • Capital-gains brackets
  • Roth-conversion windows
  • Medicare IRMAA surcharges
  • ACA subsidy effects
  • The survivor tax penalty

It recalculates taxes as your income sources and filing situation change.

Healthcare and care

RetireRebel accounts for:

  • Employer coverage
  • ACA coverage before Medicare
  • Medicare premiums and plan choices
  • Out-of-pocket medical expenses
  • Long-term-care costs and insurance benefits
  • Medical-cost inflation

It models healthcare in phases instead of using one lifetime estimate.

Home and location

RetireRebel accounts for:

  • Selling or keeping your home
  • Buying another home
  • Maintaining two homes
  • Sale proceeds and taxable gains
  • Property taxes and upkeep
  • Moving to another state
  • State income and Social Security taxes

It treats housing as a financial decision, tax decision, and lifestyle decision.

Markets and life changes

RetireRebel accounts for:

  • Inflation
  • Market returns
  • Recessions and poor early returns
  • Monte Carlo testing
  • Major one-time expenses
  • Inheritances and other inflows
  • Spending changes as life slows down

It tests how the roadmap responds when life does not follow a straight line.

See what drives the result

Assumptions stay visible. Every roadmap runs on the same engine. Drill into any year when you want the detail.

Assumptions stay visibleEvery rate and estimate is shown, and yours to change.
One engine for every roadmapCompare choices on exactly the same math.
Year-by-year detailDrill into any number, in any year.

See our assumptions and sources →

See the plan. Test the trade-offs. Find a way forward.

Three tools. One roadmap. Change a choice and see what moves.

The Optimizer — Find what has to change to hit a goal.
The OptimizerFind what has to change to hit a goal.
The Big Picture — See the assumptions and year-by-year plan behind your roadmap.
The Big PictureSee the assumptions and year-by-year plan behind your roadmap.
Compare Roadmaps — See exactly what changes when you make a different choice.
Compare RoadmapsSee exactly what changes when you make a different choice.

Get a quick read on where you stand.

Three questions give you a starting point. Add more information when you are ready for a fuller roadmap.

Start free