One decision changes another.
Claiming age, taxes, Medicare, spending, withdrawals, and survivor income can affect one another.
Closed beta A retirement planning tool that shows its work
Retirement planning, made easier to inspect
Retirement is not one number.
Social Security timing can change taxes. Taxes can change Medicare costs. Spending determines how much your savings may need to cover. A useful retirement model shows how those choices connect.
Retireomics is an inspectable retirement decision model: it connects the moving parts and shows the assumption behind every figure.
Move the sliders. Real engine, example household: $2,800/mo Social Security at 67, $800K saved, retiring in 2029. Taxes, withdrawal order, and Medicare are modeled.
The problem we solve
Retirement decisions are connected.
Many retirement calculators give you a final balance. That does not tell you which assumption produced it, what changes when you claim Social Security at a different age, or which costs are missing. When answers disagree, you are left choosing between numbers you cannot inspect.
A final number hides the work.
Without the assumptions and formulas, you cannot tell why one calculator disagrees with another.
Missing information still matters.
A pension, a balance date, or a health-cost detail can change the story. Silence should not look like zero.
How it works
Start with the question. Follow the numbers.
You do not need to build a spreadsheet or answer a hundred questions before seeing anything useful. The guided setup starts with the details that drive the projection, then lets you refine the model where it matters.
Enter the core details.
Dates, household type, Social Security, savings, spending, state, and health coverage.
Model the connections.
The projection brings income, taxes, RMDs, Medicare, account withdrawals, and uncertainty into one view.
Read the report.
See what your income covers, what savings must fund, what changed, and what the model cannot answer.
Model reportIllustrative layout
Income coverage
Savings funding
Assumptions
Questions to review
The benefits
Less guessing. Better questions.
The goal is not to give you a reassuring score. It is to help you understand the position you are testing and decide what deserves a closer conversation.
See the decisions together.
Compare retirement timing, Social Security claiming ages, spending, taxes, Medicare costs, and savings in the same household projection.
See what supports each figure.
Each result identifies what you entered, what was assumed, what was derived, and what is still missing.
Change one thing at a time.
Compare a choice you are actually considering while holding other assumptions still, so the difference is easier to understand.
Take a clearer agenda with you.
Use the report to discuss taxes, withdrawals, Medicare, Social Security, pensions, and unanswered questions with your spouse or a professional.
See the model before you use it
Start with a sample scenario.
Six sample households let you see the model without entering your own numbers. Their inputs are fixed, so you can focus on how the report works: the timeline, assumptions, what-if comparison, uncertainty test, and the places where the model says it cannot answer.
A lower-friction first step
Explore the six scenarios.
Read a finished report on someone else's numbers. See how the model handles couples, Social Security, pensions, health coverage, taxes, survivor questions, and savings.
See the scenariosWhen you are ready
Build your own model.
Use the guided calculator to enter your household details and create a report based on your own assumptions. Calculator inputs are processed in your browser.
Start your planPrivate calculator mode
Calculator inputs are processed in your browser.
The calculator runs on your device. No account or email is required to run it. Feedback, billing, and any future account features have separate data practices described where they are collected.
Read the Privacy PolicyClear boundaries
What the model does—and does not—do.
A retirement model is more useful when you know where it stops. This is an educational planning tool, not a recommendation or a guarantee.
It helps you examine
- Household cash flow and savings withdrawals
- Social Security timing, including spousal and survivor benefits where modeled
- Federal and selected state tax treatment
- RMDs, Medicare Part B, and modeled income-related surcharges
- One-change comparisons and modeled market uncertainty
It does not replace
- Personalized financial, tax, legal, Medicare, or investment advice
- Estate planning, insurance planning, or portfolio construction
- Tax-return-grade detail or complete healthcare costs
- A professional review of decisions with material consequences
- Your responsibility to check the inputs and assumptions
Make the next question clearer
See what changes the answer before you decide what to do.
Start with the fixed-input scenarios, or build a model from your own household details. Either way, you can see the assumptions, the tradeoffs, and the questions still worth asking.
Retireomics is one connected product, not a feature ladder. During the closed beta, the full model is available to beta participants at no cost. See what's included.