Will your money last?
A retirement forecaster that models real taxes, real market history, and your actual accounts, without asking you to create an account or hand over bank credentials.
Built differently
Free to use, and meant to stay that way
Not a trial, and not a teaser with the useful parts locked away. What you can use today is the whole forecaster, and the intention is to keep it that way. If it ever earns anything, it would be through optional extras, never by putting a wall around what already works.
You can stay totally anonymous
There is no account to create and no email to hand over. Most planners want an address before they will show you a single number; this one asks for nothing at all. It was built by people who are obsessive about their own privacy, so the instinct is a familiar one. If cloud sync is ever built, staying anonymous will remain a fully supported way to use this.
Your plans stay on your device
Everything you enter is saved in your own browser rather than on a server, which means there is no copy of your finances sitting somewhere to be breached, sold, or quietly analyzed. Sync is something you would opt into, never the price of entry.
Room for more than one plan
A plan here is a complete, independent household rather than a saved variation on one profile. Run one against retiring early and another against working three more years, or keep a separate plan to help a parent or a friend think through theirs. They sit side by side, and editing one never disturbs another.
Forecasts that move the way markets move
A smooth upward curve is fiction. Real portfolios have good stretches and bad ones, and when the bad ones land matters as much as how bad they get. Every forecast runs 500 simulated futures drawn from a century of market history, and shows you the spread.
Replay the market that actually happened
Pick a starting year and watch your plan live through real history from that point forward: 1929, 1973, 2000, or anywhere else. It answers something a simulation cannot, which is how your own plan would have fared through the downturns people still talk about.
Taxes modeled, not guessed
Most calculators ask you for "your tax rate." Forecast Your Money applies 2026 federal and all-50-state statutory tables year by year: brackets, capital gains stacking, NIIT, payroll tax, RMDs, and taxable Social Security. It's a planning estimate, and we spell out the limits.