Retirement Planner & FIRE Calculator

Year-by-Year Retirement Projections

IfISaved builds a complete year-by-year projection of your retirement savings from today through your target retirement age and beyond. Input your current balances across all account types — 401(k), Roth IRA, Traditional IRA, brokerage, HSA, cash, CDs, and investment properties — along with your annual contributions and expected rate of return. The planner shows exactly how your nest egg grows (or shrinks) each year, factoring in inflation and your planned retirement expenses.

Monte Carlo Simulation

A single projection assumes markets behave consistently — they don't. IfISaved runs a Monte Carlo simulation with 1,000 randomized scenarios to calculate your retirement success rate: the percentage of scenarios where your savings last through your full retirement horizon. This gives you a realistic confidence interval instead of a single optimistic number.

Social Security Analysis

Deciding when to claim Social Security is one of the biggest retirement income decisions you'll make. IfISaved models your estimated benefit at every claiming age from 62 to 70, including spousal benefits. See the break-even age for delaying and how each claiming strategy affects your lifetime income.

Roth Conversion Analysis

Converting traditional IRA or 401(k) funds to a Roth account can significantly reduce your lifetime tax burden — but the math is complex. IfISaved's Roth Conversion Analysis models the tax cost of converting different amounts today against the long-term tax-free growth benefit, helping you identify the optimal conversion window before RMDs (Required Minimum Distributions) force taxable withdrawals.

More Years of Work & What-If Scenarios

Not sure if you can retire at 60 vs. 65? IfISaved's More Years of Work Analysis compares multiple retirement ages side-by-side, showing how each additional working year changes your success rate and projected nest egg. The What-If Analysis lets you model specific changes — a market downturn, a spending increase, a windfall — and instantly see the impact on your retirement outlook.

Early Retirement Bridge (72(t)/SEPP)

Retiring before 59½ means your traditional retirement accounts aren't freely accessible without a 10% early withdrawal penalty. IfISaved's Early Retirement Bridge analysis helps you model how to bridge the gap using taxable accounts, HSA funds, and 72(t)/SEPP distributions until your retirement accounts become penalty-free.

Key Retirement Planning Features

• All Account Types: 401(k), 403(b), Traditional IRA, Roth IRA, SEP-IRA, HSA, brokerage, cash, CDs, HYSAs, and investment properties.
• Spouse Planning: Model joint retirement with separate Social Security benefits and income streams for each spouse.
• Part-Time & Rental Income: Factor part-time work and rental income into your projections, including the Social Security earned-income limit.
• Healthcare Cost Projections: Estimate pre-Medicare healthcare costs for early retirees using national average benchmarks.
• Tax Bracket Visualization: See a year-by-year estimated tax chart during retirement based on your withdrawal strategy and account mix.
• Withdrawal Strategy Modeling: Compare traditional-first, Roth-first, and proportional withdrawal strategies and their tax impact.
• RMD Awareness: Required Minimum Distributions are factored into projections starting at age 73.

Whether you're targeting traditional retirement at 65 or FIRE (Financial Independence, Retire Early) at 45, IfISaved gives you the tools to build a credible plan.

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