When2Retire.com provides financial tools to prepare for and thrive in retirement.

The retirement planner brings budgeting, savings, and retirement income into a clear plan. It helps you navigate asset growth and decumulation, taxes, Social Security, medical costs, inflation impact, charitable giving, remaining estate assets, and other topics so you can plan a retirement that supports your goals. The planner is as valuable to someone just entering the workforce as it is to people who have already retired.

Demo site - not live

Scenario drivenCompare assumptions without losing your original plan.

Household awareModel one-person and spouse scenarios together.

Income focusedReview withdrawals, taxes, benefits, and medical costs by year.

TransparentKeep future dollars and today's dollars visible.

What the planner does today

Build scenarios around current balances, yearly contributions, retirement ages, investment returns, income needs, Social Security timing, tax tables, and medical assumptions.

How results are organized

Summary rows highlight key years while detail tables show the annual movement of income, withdrawals, returns, taxes, healthcare costs, and ending assets.

Where the site is headed

Future work will continue improving mobile compatibility, reporting, additional state tax coverage, Medicare choices, and deeper scenario comparison.

Recent updates

Version 0.2.0 - 2026-06-03

Added a Budget module expense breakdown pie chart with selectable-age expense subtotals, darker legend text, and highest-to-lowest expense ordering.
Refined Monte Carlo behavior, header controls, collapse persistence, and added a contrasting balance path chart.
Added expandable Monte Carlo median simulation year-by-year detail below the chart.
Updated Monte Carlo assumptions to use shared inflation and Scenario investment return rates while keeping variance controls.
Split Monte Carlo success display into depletion-only success and reserve-or-depletion success.
Persisted the Monte Carlo automatic simulation On/Off setting with scenario data, defaulting to On.
Improved login error handling when the app session endpoint returns a non-JSON server response.
Added hover hints to Scenario editor labels and tax/reference table headings.

Guest, Free, and Premium

Start exploring immediately, then create an account when you want your work to stay available.

Feature	Guest	Free	Premium
Planner access	Explore without logging in	Use the planner with an account	Use the planner with saved preferences
Scenario data	Temporary browser-only edits	One saved working scenario	Multiple saved scenarios
Account tools	No Account page access	Account profile and contact request access	Account profile, preferences, and contact request access
Sponsor space	Shown	Shown	Hidden
Advanced controls	Unavailable until account creation	Basic editing	Scenario management and compact workspace preferences

Scenario and savings planning

Model retirement savings for one person or a couple.
Separate 401K, IRA, Roth IRA, SEP, HSA, and taxable balances.
Compare future value against inflation-adjusted today's value.

Budget planning

Track monthly categories and connect today's spending habits to retirement goals.
Use editable budget rows and grouped sections to refine household cash flow.
Keep budget assumptions close to the scenarios that depend on them.

Income projection

Review retirement income, withdrawals, RMDs, Roth conversions, and taxable investment activity.
Include Social Security, medical costs, IRMAA, HSA usage, QCDs, and tax effects.
Pin important years into the summary while keeping full annual detail available.

Account tiers

Guest access supports temporary exploration without account storage.
Free accounts keep a working scenario available between sessions.
Premium accounts add multiple scenarios and saved workspace preferences.

About

This project is for self-directed planners who are comfortable with detail and want their assumptions visible, testable, and easy to revisit. The When2Retire.com web page and services are created and managed by Ironworks Tech LLC.

Version 0.2.0-demo (2026-06-03) (DS916+ Demo)

Contact

Contact requests are available from a logged-in account. Create a Free account to send product questions, account help requests, and feedback.

Account

Important planning disclaimer

The tools and projections provided by When 2 Retire are for educational and planning purposes only. They are not financial, investment, tax, legal, or accounting advice, and they do not guarantee future performance or retirement outcomes. Results depend on user assumptions, market performance, inflation, tax rules, contribution limits, personal circumstances, and other factors that may change over time.