RetireLogica builds your year-by-year retirement plan, optimizes the decisions that shape it, stress tests it against difficult markets, and gives the entire plan a Second Opinion before asking you to trust the result.
We support this plan — with reservations.
Early market losses during the first retirement decade
A single percentage can’t tell you whether failures happen at age 78 or age 104, whether the plan needs spending flexibility, whether the first retirement decade is underfunded, or which decision would most improve the result.
A 90% result doesn’t explain when the other 10% fails — or how severe those failures are.
Many tools tell you what to do without showing which years, assumptions, or constraints produced the recommendation.
A favorable projection or optimizer result may still feel untrustworthy when nothing independently challenges the conclusion.
RetireLogica builds, optimizes, stress tests, and independently reviews your plan — so the conclusion is backed by evidence, not a single number.
Model spending, income, taxes, healthcare, withdrawals, and account balances — year by year.
Explore planning featuresCompare Roth-conversion, Social Security, and other strategies against the full retirement plan — not in isolation.
Explore optimizersExamine Monte Carlo resilience and historical market sequences, including when unsuccessful scenarios occur.
Explore stress testingIndependently review the projection, optimizers, assumptions, and stress-test evidence to determine whether you can retire and stay retired.
Learn about Second OpinionA plan can clear the first and still fail the second. RetireLogica evaluates both.
Whether you can leave work at the selected age without relying on unavailable assets, unexplained income, or unfunded spending.
Whether the plan stays durable without returning to work or cutting spending below the lifestyle you consider acceptable.
Second Opinion doesn’t create another projection. It independently evaluates the evidence RetireLogica already produced and explains where it agrees, where it has reservations, how the plan fails, and what remains uncertain.
Second Opinion is generated by RetireLogica’s deterministic review rules. It is not a review by an unaffiliated human advisor and does not replace professional financial, tax, or legal advice.
Build spending plans with line-item budgets and Schedule E rental cash flow, review year-by-year projection tables, protect your account with MFA and recovery codes, and read planning articles with verification-backed publishing.
Not a feature dump — every capability maps to a question you actually need answered.
Turns real spending — recurring, one-time, and escalating — into the income your plan actually has to cover.
Shows how each year is funded, so a shortfall surfaces before you retire, not after.
Confirms the years before Social Security, pensions, and penalty-free access are truly funded.
Models when income starts — timing quietly changes both taxes and how long the plan lasts.
Puts retirement dates and strategies side by side so you can see which decision holds up.
Finds a conversion path that lowers lifetime tax, not just this year’s bill.
Keeps you under subsidy cliffs before Medicare, so a conversion doesn’t cost a year of coverage.
Flags when today’s income triggers Medicare surcharges two years later — before it happens.
Projects required distributions so forced income doesn’t push you into a higher bracket by surprise.
Models how provisional income taxes your benefits — the “torpedo” many tools skip.
Accounts for the surtaxes and stacking that quietly raise the bill in a strong year.
Planned: expanded state-tax, charitable-giving, and Medicare constraint analysis.
A probability your plan survives thousands of market paths — with the detail behind the number.
Replays real downturns like 2000 and 2008 to test sequence-of-returns risk with actual data.
Tells you whether trouble arrives at 78 or 104 — the difference changes what you do about it.
Shows whether staying retired needs flexibility, and how much — not just pass or fail.
Focuses on the early retirement years, when losses do the most lasting damage.
Shows the range of ending estates and depletion ages, not a single point estimate.
An independent review of the whole plan — where it agrees, where it has reservations, and why.
Every conclusion traces back to the years, assumptions, and constraints behind it.
Inspect any single year — income, tax, MAGI, IRMAA, balances — line by line.
Change any assumption and rerun; the same inputs always produce the same plan.
Jump from a recommendation straight to the evidence that produced it.
When inputs change, results that no longer match are flagged — so you never trust an old answer.
Try RetireLogica with basic projections, then unlock full control of every variable.
Adjust initial conditions only
Full control of all variables
One plan. All features. No surprises.
or $99.99/year (save 17%)
RetireLogica is built for financially engaged households making a real retirement decision.
You’re close enough that taxes, healthcare, withdrawal timing, and the first decade matter more than a generic savings target.
You need to bridge the years before Medicare, Social Security, pensions, or unrestricted retirement-account access.
You want to understand and verify the assumptions instead of accepting a black-box score.
You already have a plan — from a spreadsheet, another calculator, or an advisor — and want to challenge it with a separate evidence framework.
Whether your selected retirement date is funded — accessible assets, pre-59½ bridge money, taxes, healthcare, and the timing of income sources like Social Security and pensions.
Whether the plan stays durable over a long retirement — lifetime solvency, sequence-of-returns risk, the strength of your income floor, and how much spending flexibility may be required.
Yes. Monte Carlo resilience is one evidence source, used alongside deterministic year-by-year projections and historical market sequences so the percentage has context.
An independent review that evaluates RetireLogica’s own outputs using deterministic rules, and shows where it agrees, where it has reservations, and where evidence is missing.
No. RetireLogica is planning software. It does not provide financial, tax, or legal advice, and it is not a substitute for a professional advisor.
Yes. You can review the year-by-year projection, the assumptions and tax constraints behind it, and the evidence links that support each conclusion.
A public home for deeper writing on tax-aware withdrawals, ACA planning, Roth conversions, Social Security decisions, and deterministic planning tradeoffs.
We built RetireLogica because Monte Carlo tools confuse people and hide the logic. Everyone deserves a planning engine that shows the math — not a black box that outputs probabilities. You should be able to inspect the assumptions, follow the calculations, and understand your plan without handing the explanation to someone else.
Build the plan, optimize the decisions, stress test the risks, and get a Second Opinion on whether you can retire and stay retired.
Start with a free projection. No credit card required.