Model retirement income, taxes, Social Security, and Roth conversions in one planner.

Start with a sample plan, change one number, and see whether the plan gets stronger or weaker. No sign-up required.

Start Fast

Start with a sample plan Change one number See the retirement outcome move

The goal here is a quick first insight, not a long setup. Open a sample plan if you want the payoff first, or enter a few numbers and watch the preview update as you go.

Recommended first path

Most first-time visitors should start with the sample result, see how the planner thinks, and only then switch to their own numbers.

Federal mode loads a guided preview scenario so you can see the bridge-to-Social-Security pattern quickly. Full federal editing lives in the full planner.

Use the federal example if pension plus supplement timing is your main question. Use your own numbers if you already know the assumptions you want to test.

Quick Start

Current Age

Retirement Age

Total Savings / Investments

Annual Spending

Social Security Estimate (annual)

Start here if you want a fast answer first. Open advanced inputs below when you want spouse income, taxes, pensions, custom account types, or allocation detail.

Federal Pension and Supplement

FERS / Federal Pension Amount (annual)

Pension Start Age

Temporary Supplement Amount (annual)

Supplement End Age

Use this section to model the core federal timing pattern: pension starts, supplement runs for a few years, then ends before Social Security.

TSP / Government Account Balances Use Total Savings / Investments above for a quick estimate, or open advanced inputs for traditional, Roth, taxable, and cash account detail. Visible now

Pension COLA Editable COLA assumptions are part of the deeper federal workflow in the full planner. Full Planner

Later Pension Change Event Use the full planner when you need an age-based pension step-down, offset, or later change event. Full Planner

Spouse Federal Coordination Spouse pension and Social Security inputs are still available in advanced inputs when you want the fuller household view. Available

Live Preview

Start with the sample and watch how the plan changes when you adjust retirement age, spending, or Social Security.

This quick preview is meant to surface a first pressure point fast: retirement timing, income gap, or future tax drag.

Retirement start

Age 65

Estimated plan longevity

Through age 90

Income gap / surplus

$0 estimated gap

Tax-sensitive warning

Traditional balances can raise later tax pressure.

Quick Visual

Annual spending target $72,000

Guaranteed income $24,000

Portfolio support estimate $23,200

This is a fast visual check, not the full projection. Use it to spot whether spending is outrunning your income sources.

Customize assumptions, taxes, spouse income, and account details

About You

Your Age

Retirement Age

Spouse Age (optional)

Life Expectancy ?

Filing Status

State

Import from Bank / Brokerage

PRO

Upload an OFX or QFX file exported from your bank or brokerage to auto-fill all account balances in one click. Supports Fidelity, Vanguard, Schwab, and most banks.

🔒 OFX / QFX import — available in Fatboy Pro

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Your Savings

Annual 401(k) + IRA Contributions ? Model assumes salary covers pre-retirement living expenses — only portfolio growth + these contributions are projected until retirement. Fatboy Pro → models full pre-retirement cash flow.

Traditional IRA / 401(k) balance

Roth IRA / Roth 401(k)

Taxable Brokerage

Cash / Savings

Portfolio Allocation by Account (%) ?

Traditional IRA / 401(k)

Roth IRA / Roth 401(k)

Taxable Brokerage

Traditional: 100.0%

Roth: 100.0%

Taxable: 100.0%

Income & Spending

Annual Spending in Retirement (today's dollars)

Pre-Medicare Healthcare Cost (annual, age < 65) ? Added on top of spending above. Drops to $0 at age 65.

Your Social Security (annual, at age 67)

SS Claiming Age ?

Spouse Social Security (annual)

Spouse SS Claiming Age

Your Pension / Annuity (annual, 0 if none)

Pension Starts at Age

Spouse Pension / Annuity (annual)

Spouse Pension Starts at Age

Part-time / Other Income (annual) ?

Assumptions

Expected Annual Return ?

Inflation Rate

Run Monte Carlo simulation (tests 500 market scenarios) ?

Portfolio Volatility (risk level) ?

Simulations

Using GBM (Geometric Brownian Motion) — 1 of 7 return models in Fatboy Pro. The full app adds Market Regime (bull/bear cycles), Enhanced Regime, Crash Scenario, Historical (recent & full), up to 10 000 paths, and per-path tax modeling. How the 7 scenarios work →

Year-by-Year

Year	Age	Portfolio	SS Income	Expenses	Fed Tax	RMD ?

Portfolio Range

90th pct (best case) Median (p50) 10th pct (worst case)

Year	Age	P10	P25	P50	P75	P90

This quick answer is useful, but it is not the whole decision. The full planner shows how fragile this result is, where the plan gets into trouble, and which changes actually improve retirement safety.

If this answer matters, the next step is testing whether it stays safe when timing, spending, or market conditions shift.

See How Fragile This Answer Is

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