Why a retirement planner on a HAM Radio page? Simply because I wanted one for myself and nothing I found was good enough for my purposes so I created this one myself (and Claude Code!). Enjoy!
RetireWise – Retirement Planning Calculator v1.2.1
Personal Info
Income & Savings
Retirement
Asset Allocation
100% (must equal 100%)Return Assumptions
Fixed Rate Projection Results
Monte Carlo Simulation Results (500 scenarios)
Monte Carlo Scenarios (Historical Sampling)
Fixed Rate Projection
Monte Carlo: 50th Percentile
Risk & Tax Analysis
Tax Impact Analysis
Sequence of Returns Risk
Inflation Impact
Rebalancing Strategies
Retirement Planning
Social Security Optimization
Healthcare Cost Projections
Portfolio Glide Path
Emergency Fund Analysis
Plan Your Financial Future with Confidence
RetireWise uses advanced Monte Carlo simulations and historical market data spanning nearly a century to give you a realistic picture of your retirement readiness. No guesswork—just data-driven insights.
Monte Carlo Simulation
500 randomized scenarios using historical S&P 500 returns (1928-2023) to calculate your probability of success. See best-case, worst-case, and everything in between.
Historical Stress Tests
Test your portfolio against 11 real market periods: 1929 Depression, 2008 Financial Crisis, 1990s Tech Boom, and more. Know how you’d fare in the worst times.
Tax-Smart Withdrawals
Compare Traditional vs Roth withdrawal strategies. Find the optimal mix that minimizes your lifetime tax burden and maximizes your wealth.
Social Security Optimizer
Should you claim at 62, 67, or 70? See break-even analysis and lifetime benefit comparisons based on your life expectancy.
RMD Calculations
Required Minimum Distributions automatically calculated using the 2024 IRS Uniform Lifetime Table. Never miss a mandatory withdrawal.
Healthcare Projections
Medicare, Medigap, Part D, and out-of-pocket costs projected with 5.5% healthcare inflation. Plan for your biggest retirement expense.
How It Works
Enter Your Info
Age, income, savings rate, current balance, and retirement goals
Run Simulations
500 Monte Carlo scenarios plus 11 historical stress tests
Explore Scenarios
Click percentiles to see optimistic, median, and pessimistic outcomes
Optimize Your Plan
Adjust variables and use advanced analysis to maximize success
Understanding Your Results
Success Rate
Percentage of Monte Carlo simulations where your money lasted through retirement. Aim for 80%+ for confidence.
Funding Ratio
Your projected balance vs. what you need. 100%+ means you’re on track; below 100% shows your savings gap.
Sequence Risk
Poor returns early in retirement hurt more than later. The advanced analysis shows how this affects your specific situation.
Withdrawal Rate
The classic 4% rule is a starting point. Your actual safe rate depends on your timeline, allocation, and flexibility.
Important Disclaimer
This calculator is for educational and informational purposes only and does not constitute financial advice. Past market performance does not guarantee future results. Monte Carlo simulations show possible outcomes based on historical data, not predictions. Your actual results will vary based on market conditions, personal circumstances, and factors not modeled here. Consult a qualified financial advisor before making retirement decisions.
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