Run transparent, phase-based, tax-aware retirement projections that keep you in control. Test your own numbers, inspect every assumption, and make retirement decisions with confidence instead of guesswork.
The tools most people rely on today create more confusion than confidence.
People don't trust black-box outputs.
Engineers hate randomness.
Probability-based results are hard to explain — and harder to act on.
Year-by-year projections with every number traceable — full tax breakdown, withdrawal ordering, and verification checks.
Full control over every assumption — growth rate, filing status, conversion amounts, ACA caps, cost basis, and more.
Roth conversion and Social Security optimizers analyze strategies against the full tax model — IRMAA, NIIT, and capital gains included.
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.
Core tools to test your plan, plus optimizers and differentiators that set RetireLogica apart.
Model itemized spending, escalation, one-time costs, and Schedule E rental cash flow before sending the result into the projection engine.
Save multiple scenarios for your household and preserve optimizer tool state alongside the plans you revisit.
A command center for the retirement paths you want to test. Track balances, flag shortfalls, and monitor estate values at a glance.
Capture planning notes, auto-generate insights from scenarios, and organize observations by category for each retirement path.
Instantly save, revisit, and iterate on any projection.
Compare multiple retirement paths side-by-side to find the best fit.
Math-based withdrawals with no randomness — every number has a source.
Accumulation, ACA Shield, Roth Conversion, and Longevity — each phase with distinct tax-aware rules.
Brackets, LTCG stacking, NIIT surtax, Social Security torpedo, IRMAA surcharges, and RMDs — all built in.
Traditional IRA and 401(k)/employer-plan balances are modeled as distinct accounts from the first input, and each can be selected as its own withdrawal source in the spending plan — the engine applies the 10% penalty before age 59½ to IRA distributions and honors the Rule of 55 for employer plans.
Compare your conversion strategy against bracket-optimized alternatives with full tax, IRMAA, and widow's penalty modeling.
Test plans against real market sequences — 1966 Stagflation, 2000 Lost Decade, 2008 Crisis — 1,000-scenario resilience grading, and discrete life-event shocks.
Compare claiming at 62, 65, 67, and 70 with spousal coordination, survivor benefits, and earnings test analysis.
Use the ACA decade engine, tax assumptions guide, and detailed projection table to inspect MAGI, taxes, IRMAA, RMDs, and balances year by year.
MFA, recovery codes, password recovery, and purchase restoration keep paid access and planning content manageable across devices.
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%)
See why deterministic projections beat probability-based guesswork.
"Monte Carlo shows probabilities. RetireLogica shows the math — and optimizes the strategy."
If you ask "why?" and want a real answer for your own retirement plan, RetireLogica is for you.
People weighing an earlier retirement date who need to see how spending, taxes, health care, and withdrawals interact.
People managing their own portfolio who want every assumption and calculation visible instead of hidden in a black box.
People who want to stress-test their plan before committing to a retirement date or major lifestyle change.
People who want to understand Roth conversions and Social Security timing through transparent math they can inspect.
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.
Start with a free projection today. No credit card required. See why deterministic planning is the future.