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Monte Carlo Simulation
2,000 randomized scenarios with year-by-year market variation. Know your real probability of success.
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Roth Conversion Optimizer
Hundreds of conversion strategies scored by lifetime taxes, RMD reduction, and final net worth.
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Social Security Modeling
Claim timing, spousal benefits, survivor benefits, and SSDI integration — including delayed-to-70 strategies.
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Medicare & IRMAA
2025 IRMAA surcharge brackets modeled year by year so income spikes don't blindside your healthcare costs.
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RMD Calculations
SECURE 2.0 compliant required minimum distributions, year by year, across all account types.
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Scenario Comparison
Test any retirement strategy side by side — retire earlier, spend more, move states, change asset allocation.
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SSDI Modeling
Disability income bridge with SSA integration — models the transition from SSDI to retirement benefits.
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Survivor Planning
Spousal death scenarios with survivor benefit recalculation, expense adjustment, and tax filing status change.
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Legacy & Estate Goals
Set a target amount to leave behind and track whether your plan gets you there across all scenarios.
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Save & Export
Export a self-contained HTML snapshot of your full plan — charts, projections, and all — that works offline without the app.