Clear answers before you put your numbers in

Retireomics is an inspectable retirement decision model - a retirement planning tool that shows its work. You enter a household's timing, income, savings, spending, and coverage details. It shows what came from you, what was assumed, what was derived, and what the model does not know. The benefit is a clearer starting point for a conversation with your spouse or a qualified professional.

Retirement questions are connected. A Social Security choice can change taxes. Taxes can change Medicare costs. Withdrawals can change how long savings last. Retireomics puts those moving parts into one projection so you can see what changed and which question needs attention next.

You get a results view that brings income, spending, savings, taxes, Medicare, withdrawals, and uncertainty into one picture. The report also shows assumptions, limitations, and questions worth taking to a professional. That gives you something more useful than a single ending number: a record of how the result was produced.

It can show how retirement timing, Social Security claiming ages, pensions, other income, spending, savings, withdrawals, taxes, required minimum distributions, Medicare Part B, and modeled income-related surcharges interact. It also supports household comparisons, survivor questions, and a range of market-return paths. The What you get page lists the current scope in one place.

No. Retireomics compares scenarios and reports what those scenarios project under their assumptions. It does not choose a claiming age, withdrawal order, investment, tax move, or insurance plan for you. The point is to make the tradeoffs easier to see and the next professional question easier to ask.

Retireomics is deliberately not a complete financial plan. It does not model portfolio construction, estate planning, insurance decisions, or tax-return-level detail. Medicare coverage outside the Part B premium and modeled income-related surcharges - including Part D plan premiums, Medigap, Medicare Advantage, dental, vision, and hearing - is outside the model. You can add your own estimate to spending when needed. See the Methodology page for the full list of limits.

No. They are educational projections based on the information you enter and the assumptions the model documents. The market range is a way to examine uncertainty, not a promise about investment returns. A different input, rule, or real-life event can change the result.

Small choices in the calculation can change the result: when required distributions begin, how Social Security is taxed, how capital gains are treated, how state tax is estimated, or when Medicare surcharges are applied. Retireomics makes its assumptions and simplifications visible so you can compare the reasons for a difference instead of treating one number as the answer. The longer explanation, with the assumptions that most often account for the gap, is in Why retirement calculators disagree.

Start with the labels in the results and report. They distinguish information you entered from an assumption, a derived figure, a rule, or an unanswered question. Then use the Methodology page to inspect the relevant formula, source, year, and limitation. This gives you a practical way to ask, "What is this number based on?"

Retireomics runs 300 modeled return paths and shows weaker, median, and stronger outcomes. This helps you see how sensitive a household picture is to the order and timing of investment returns. It is evidence about uncertainty, not a prediction of which path will happen.

Yes. You can enter one estimated monthly benefit at full retirement age, and Retireomics derives the other claiming-age amounts from that figure. If you have your statement, you can enter the benefit table for ages 62 through 70 instead. The first option gets you started; the second gives the calculation figures you have chosen to provide.

No. Cost basis is an optional input. If you do not know it, you can leave the default and treat the capital-gains portion of the result as an estimate. If you later find better records, you can refine the input and see what changes.

Retireomics has dedicated handling for 26 states: 13 use curated tax rules, 9 have no state income tax, and 4 exempt retirement income. For other states, you enter an effective state tax rate; the calculation does not use state-specific bracket math there. The Methodology page explains the distinction so you know how much weight to give the estimate.

Inputs into the Retireomics model are processed locally in your browser. Retireomics also keeps your entries in your browser's local storage so you can return on the same device and browser. Clearing that browser's site data removes the saved entries. Feedback, email, billing, and any future account features are separate and are disclosed where collected. See the Privacy Policy for the current details.

The current public-beta Retireomics model does not require an account. Your entries stay with the browser storage on the device where you use it. That also means they do not automatically follow you to another device or browser.

Retireomics is currently in closed beta and is not yet available for purchase. Beta participants can use the model at no cost while the beta is running. You can also read the sample scenarios to see how the results work before entering your own information.

Pricing will be announced before launch. No payment is being requested for the current closed beta. The What you get page explains the current product scope.

It can be. The benefit is greatest when several parts of the decision interact - for example, different claiming ages, a pension, a period before Medicare, or withdrawals that affect taxes. If all you need is a simple income total, a simpler tool may be enough. That is a reasonable conclusion, too.

Please tell us. A closed beta is a chance to find unclear questions, missing assumptions, and calculation problems with real situations. Use the Contact page, and include the page or step and what happened. Please do not include sensitive financial information.