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Enter your details
You get clear guidance on which numbers you need, retirement accounts, savings, expected spending, and where to find them. No formulas to write.
US retirement planning tools
See whether your retirement plan holds up.
You enter your own numbers. Calculations run automatically, and every assumption is visible, so you can trace the math behind each result.
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Built by a professional economist
Christian Elkrog, MSc in Economics (cand.polit.) from the University of Copenhagen, 10+ years in financial analysis.
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Every rate is sourced
2026 figures cite official sources with the last-updated date visible in the spreadsheet.
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14-day money-back guarantee
Full refund, no questions asked. Described in our refund policy.
How it works
Three steps from empty fields to a full picture.
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Compare your options
See the difference between claiming ages, housing choices, and retirement dates. Change your assumptions, and everything recalculates instantly.
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Understand the result
Every rate, assumption, and source is visible. You can see how each number was computed, and adjust it when your situation calls for it.
All tools
Six tools for the same desk.
All built the same way: one good file, your numbers, no third parties. All 2026 editions ready now.
Retirement Calculator 2026
How long will your money last?
See your expected finances year by year, and how the outcome shifts with different returns, spending, and retirement ages.
$39
Read more → Estate Organization Workbook 2026
Do your loved ones have the overview they need?
Gather accounts, insurance, digital access, contacts, and wishes in one place. 10 ready-made tabs.
$39
Read more → Social Security Optimizer 2026
Claim Social Security now, or wait?
Compare claiming ages from 62 to 70, see the break-even in both today's dollars and nominal amounts.
$39
Read more → Tax-Efficient Withdrawal 2026
What does withdrawal order do to your tax bill?
Compare three withdrawal strategies over 25 years, see the difference in lifetime tax and net worth.
$39
Read more → Home Equity in Retirement 2026
Age in place, downsize, or sell and rent?
Your home is likely your largest asset. Compare 3 scenarios and see the effect on 30 years of retirement.
$39
Read more → Healthcare Bridge Planner 2026
The pre-65 healthcare gap that ruins early retirement.
Bridge from retirement to Medicare. Optimize MAGI for ACA subsidies. Project Medicare and Medigap to age 90.
$39
Read more → Built to give you a clear picture
Three principles. No exceptions.
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Easy to use
You fill in your numbers. Calculations, tables, and charts update automatically. No formulas to write, no cells you can break.
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Open calculations
Every rate, assumption, and source is visible. You can always see how a result was computed, and when the numbers were last updated.
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Your data stays yours
The Excel version lives on your own computer. In the web app, your data can be exported whenever you want.