RetirementForecast
Will your money last through retirement?
RetirementForecast answers the one question every pre-retiree is really asking: will the money last? Enter your income, expenses, and account balances, and it projects your finances month by month across Social Security, pensions, 401(k)/IRA withdrawals, wages, and cash — pinpointing your run-out date. Test adjustments live, run the Monte Carlo odds, and let AI surface plain-English fixes.
- Month-by-month
- Projection to your run-out date
- Monte Carlo
- Odds your money lasts (Premium)
- AI advisor
- Plain-English fixes
The problem
Most retirement calculators return a single, falsely precise number based on one assumed rate of return. 'You'll have $1.2M' says nothing about when the money actually runs out, how each account drains, or what to change. People make one of the biggest financial decisions of their life on a coin-flip's worth of information.
The solution
RetirementForecast models your plan month by month so you can see exactly when — and why — savings deplete, and in what order accounts draw down. Adjust spending, retirement age, or income and the projection updates instantly; the Premium Monte Carlo engine expresses the plan as the odds your money lasts; and an AI advisor reads your numbers and suggests concrete ways to extend them.
What it does
Know your run-out date
Month-by-month projections across Social Security, pensions, 401(k)/IRA withdrawals, wages, and cash — so you know the date, not just a balance.
See how savings drain
Account-by-account drawdown visualization, with control over which balances you spend first and how the order changes the outcome.
Monte Carlo odds
Premium runs thousands of market paths to express your plan as a probability your money lasts — not a single fragile point estimate.
Live what-if scenarios
Retire two years earlier? Cut spending? Delay Social Security? Watch the projection and your run-out date move the instant you change an input.
Track real spending
Set budgets, import transactions by CSV, and let the app auto-categorize them so your plan runs on real numbers, not guesses.
AI that finds the fix
An AI advisor reads your plan and returns plain-English suggestions to extend how long the money lasts.
Built with
A modern, proven stack chosen for reliability and speed of delivery.
- Next.js 16
- React 19
- TypeScript
- Prisma 7
- SQL Server
- Recharts
- OpenAI
- Stripe
- Self-hosted on a Windows VPS (IIS + ARR reverse proxy, NSSM service)
Security & reliability
Engineered with the same discipline as regulated healthcare systems.
- Encryption in transit and at rest for all financial data
- No selling or sharing of personal financial data — ever
- Per-account data isolation with least-privilege access
Want a product like RetirementForecast for your business?
This is exactly the kind of secure, production-grade software I build — quickly and affordably. Let's talk about yours.