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

Takes about 30 seconds. No sign-up required. See your projected income and account trajectory instantly.

Start Fast

Takes about 30 seconds No sign-up required See your projected income and account trajectory instantly

Start with a sample plan if you want the payoff first, or enter a few numbers and watch the preview update as you go.

Federal mode loads a guided preview scenario in the free app. Full federal editing lives in the full planner.

Federal Retirement Preview

This free app shows the shape of a federal plan. The sample uses pension income plus a FERS-style temporary supplement that ends at age 62 before Social Security begins. For full federal editing, use the complete planner.

Quick Start

Need spouse income, taxes, pensions, custom account types, or allocation details? Open the advanced inputs below.

Federal Pension and Supplement

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
Your plan looks roughly on track through age 90.

Enter a few numbers to see the likely pressure points before you run the full projection.

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.
Customize assumptions, taxes, spouse income, and account details

About You

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
Get Fatboy Pro →

Your Savings

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)
Roth IRA / Roth 401(k)
Taxable Brokerage
Traditional: 100.0%
Roth: 100.0%
Taxable: 100.0%

Income & Spending

Added on top of spending above. Drops to $0 at age 65.

Assumptions

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

YearAgePortfolio SS IncomeExpensesFed Tax RMD ?

Portfolio Range

90th pct (best case) Median (p50) 10th pct (worst case)
YearAge P10P25P50P75P90

Free demo gives you a quick projection, a sample scenario, and limited assumptions. The full planner adds saved plans, scenario comparison, tax-aware planning, Social Security timing, and Roth conversion testing.

If this result is useful, the next move is keeping it and testing alternatives without starting over.

Open the full planner

Email me my results and desktop link: