Fatboy Financial Planner

Can I Retire?

Choose the path you want: get a quick retirement answer here, or open the guided planner to build the full plan right away.

The quick-answer teaser needs no sign-up. The guided planner carries your numbers forward when you want the deeper build.

Open Guided Planner →

Use the teaser for a fast yes-or-no read. Use the guided planner when you want step-by-step setup, deeper testing, and a plan you can keep working. Need the federal planner instead? →

Quick Answer Teaser

Ready to test

Need the fast answer before the full build?

Use a few key numbers to get the first read on retirement viability. If the answer is close, shaky, or worth exploring, continue in the guided planner with your numbers carried over.

Where You Stand Today

Start with the few numbers most people already know or can estimate quickly.

Your Age

How Much Do You Have Invested?

How Much Cash Do You Have?

Current Household Income (combined if married, defaulted if blank)

Test The Decision

Move the sliders to see how retirement timing, savings, and spending change the answer.

Retirement Age 65

Planned Annual Contribution Before Retirement $14,000

Pre/Post-Retirement Spending $76,000

These sample numbers are ready to test. Use this teaser for the first answer, then continue in the guided planner if you want to pressure-test the decision more seriously.

This teaser gives you the fast answer first. The guided planner is where you keep working the case if the result deserves a deeper look.

Stress-test this plan in real markets ?

Improve The Estimate

Household Social Security (combined if married)

Social Security Claiming Age

Spouse Age (leave blank if single)

Life Expectancy ?

Filing Status

State Tax Assumptions ?

Optional: add Social Security, filing status, and life expectancy if you want a better estimate before moving into the guided planner.

Changed these details? Run the quick answer again.

Your Snapshot

Current Snapshot

Across investments and cash

Does This Path Hold Up?

Your current inputs, shown as one quick answer path.

At Retirement

Growth Added

New Contributions

Retirement accounts Taxable + cash

Continue In Guided Planner

Finish the real setup there.

Income timing, taxes, assumptions, account routing, and portfolio setup all work better together in the guided planner.

Income + spending timing Assumptions + Monte Carlo controls Savings destination rules Tax + RMD accuracy Portfolio mix by account

Continue With Guided Setup →

Income & Spending

Live Preview

First Retirement-Year Income Mix

$0 covered

Preview age: 65 (retirement age)

$0 guaranteed / modeled income $0 spending target

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

Your Current Salary / Earned Income (annual) ? If entered, salary is modeled with a default 3% annual growth rate until retirement.

Spouse Current Salary / Earned Income (annual) Uses the same default 3% annual growth assumption until retirement.

Employer Match (% of contribution) Used by the savings recommendation rule. A nonzero match nudges the planner toward retirement-account saving.

Matchable Pay Cap (% of salary) Example: enter 6 if your employer matches contributions up to 6% of pay.

Social Security is set in Quick Snapshot above using one rough household benefit and one claiming age.

Your Pension / Annuity (annual, 0 if none)

Pension Starts at Age

Additional Pension / Annuity (annual)

Additional Pension Starts at Age

Spouse Pension / Annuity (annual)

Spouse Pension Starts at Age

Part-time / Other Income (annual) ?

Assumptions

Expected Annual Return ?

Inflation Rate

Simulation Count

Market Volatility

Free Monte Carlo gives one basic preview. The guided planner is where you compare deeper downside cases and the changes that actually make retirement feel safer.

Continue In Guided Planner → Open the free summary table →

Federal Planning Insight

Supplement Timing

Social Security Timing

Bridge Years

Portfolio / TSP Pressure

What To Do Next

Use the quick answer to decide what to test next, what to worry about, and whether it is time to move into the guided planner.

What To Test Next

Try Free What-Ifs

Test a few simple moves here first. For downside risk, bad market timing, and deeper stress-testing, open the guided planner.

Use the free chips here to test timing, spending, savings, or claiming age. Downside stress tests live in the guided planner.

What This Quick Answer Still Cannot Tell You

What To Test In Your Full Plan

Continue In Guided Planner →

Optional Free Detail

Most people should stop at the answer and next-step guidance above. Open this only if you want the limited free table view before moving into the free web planner or Pro.

Show the limited free detail view Open the year-by-year table and stress-test preview if you still want to inspect the free numbers.

Your Money Year By Year

This is one straight-line projection using your current assumptions. Portfolio balances are shown at year-end, after that year's growth, income, spending, and withdrawals.

Year	Age	Portfolio	SS Income	Expenses	Fed Tax	RMD ?	Planned Save	Employer Match	Surplus Sweep ?	Shortfall

How The Range Changes Under Different Market Paths

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

Year	Age	P10	P25	P50	P75	P90

If You Need More Confidence

This is where the free web planner and Pro take over from the quick calculator.

Why People Trust This Step

Fatboy Pro is meant to help you pressure-test a retirement decision, not impress you with jargon.

What It Actually Models

Savings, cash, Social Security, pensions, spending, and retirement timing
Taxes, RMD pressure, and Medicare-related income cliffs where relevant
Downside market paths so you can see whether a plan only works on paper

What It Helps You Decide

Whether your current retirement date still looks safe
Whether spending, claiming age, or Roth moves matter more first
Whether your plan still holds up when real risks show up together

Do not make a retirement decision off one average-case answer.

This calculator is for the first answer. Fatboy Pro is for the real decision: stress-testing downside, finding tax landmines, comparing scenarios, and seeing what to change before you retire.

Built for DIY retirees who want a clearer answer before making a costly one-way decision.

Best Fit If

You are within sight of retirement and do not want to rely on a rough guess
You keep asking "what if I retire earlier, spend more, or claim later?"
You want a clearer plan before paying an advisor or going it alone

What You Get Right Away

Instant access to the full web planner and desktop app
Deeper scenario testing, downside analysis, and tax-aware planning tools
A one-time purchase instead of another monthly subscription

Why Buy Now

The quick calculator is useful when the answer is obvious. Fatboy Pro is for the moment the answer stops feeling obvious.

Feature	Free Web	Pro — $149
Retirement projection	✓	✓
Monte Carlo simulation	1 model (basic)	Deeper downside testing
Roth conversion optimizer	—	Year-by-year strategy
Federal + state taxes	Estimate	Full per-year modeling
IRMAA / Medicare planning	—	Cliff avoidance built in
Scenario comparison	—	Compare the retirement moves that matter
Goal-based planner	—	Solve for savings or spending

Get Fatboy Pro Before You Retire — $149 →

One-time purchase · Full web planner + desktop app · License key emailed instantly

Buy when you are ready to move past the quick answer and pressure-test the retirement decision you are about to make in the guided planner.

If the free answer made you pause, that is usually the moment the free web planner or Pro becomes worth opening next.

Not financial advice, but a practical way to spot weak assumptions before you act on them.

What each of the 7 scenarios tells you about your plan →