Retirement Income Planner
Will your portfolio last
through retirement?
Get an instant projection below. Then build detailed scenarios with Social Security, Roth conversions, taxes, and Monte Carlo analysis.
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Manual entry only
Built for DIY investors
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See It in 90 Seconds
A tour of the sample plan
Full Scenario Planning
Model your complete retirement picture
Social Security + COLA
Model SS benefits with cost-of-living adjustments and multiple start ages.
Roth Conversion Analysis
Compare whether Roth conversions reduce estimated lifetime taxes.
Monte Carlo Simulation
Run 1,000 market scenarios to estimate how often your spending is funded.
Tax-Aware Drawdown
Estimate taxes with a fixed withdrawal sequence across taxable, pre-tax, and Roth accounts.
Per-Category Growth Rates
Set different return assumptions for US equities, international, bonds, and cash. No single-number averaging.
CSV Import
Upload holdings exports from Fidelity, Schwab, Vanguard, or any broker. Positions are parsed and mapped automatically.
What are the best Boldin alternatives? Compare five retirement planners.
From the Blog
Real numbers, real scenarios
Withdrawal Strategy
How Does the 4% Rule Work in Retirement?
How to adjust your withdrawal rate for your time horizon — and use bumpers to make it dynamic.
Read analysisRetirement Math
Will $1 Million Be Enough for My Retirement?
BLS avg expenses + avg SS. The answer: it actually grows.
Read analysisSocial Security
Should I Take Social Security at 62, 67, or 70?
The official benefit percentages and three transparent break-even calculations.
Read analysisHealthcare in Retirement
How Does My Income Affect My Medicare Premiums in 2026?
Official premiums, income tiers, and the two-year lookback retirees can miss.
Read analysisReady to build your real plan?
Scenarios give you the full picture: tax-aware withdrawal estimates, Roth conversion comparisons, Monte Carlo survival rates, and side-by-side plan comparison.