For multi-account, tax-sensitive retirement plans

Every retirement decision,
tax-optimized.

RetireOdds is a deterministic financial ledger for retirement planning. Model taxable, tax-deferred and Roth accounts, RMDs, healthcare, state and federal taxes, life events and spending year by year.

Open your ledger → 30 days free · no credit card

Exhibit A — the Ledger in motion Working years → retirement → Medicare → RMDs

Built for iPhone.

The full planner — Ledger, taxes, healthcare and Monte Carlo odds — native on iPhone.

Download on theApp Store

30 days free · no credit card

Encrypted at restAES-256, HTTPS only.

Passkey sign-inNo password to steal.

No bank connectionsCSV import — we never hold credentials.

Your data is yoursNo trackers; delete everything anytime.

Built by Mayur Kamat — a product leader from Binance, N26, Google, Microsoft, Agoda and Bybit. Read why RetireOdds exists →

01The Ledger

A book of record, not a black-box score.

Start with clean income, wealth and tax inputs. The Ledger carries them forward year by year — opening balance, money in, taxes, withdrawals and closing balance — so you can see what is happening before you ask what might happen.

Exhibit B — the opening positionReconciled · 2026

$2,480,000

Money coming in148,000

Taxes + healthcare−42,400

Portfolio funding76,000

Closing balance · 20292,495,000

Exhibit C — one plan, read as a ledger Illustrative · not a projection

Year	Money in	Taxes + health	Spending	Closing balance	In the margin
2026age 61	148,000	−42,400	−76,000	2,495,000	Last working year — reconciled to the dollar.
202762	12,400	−8,640	−92,000	2,468,000	Retires. Roth conversions begin — filling the 22% bracket.
202863	12,800	−8,640	−92,000	2,489,000
202964	13,100	−5,580	−94,000	2,522,000	Conversion trimmed to keep the ACA subsidy.
203065	13,600	−9,900	−94,000	2,561,000	Medicare begins — premiums replace ACA.
203267	59,800	−11,300	−96,000	2,650,000	Social Security claimed at 67.
203873	117,400	−21,700	−104,000	2,918,000	First required distribution — planned for, not a surprise.
⋮ every year in between, carried forward the same way
205590				Funded ✓	Every year funded, including the last.

Base plan: deterministic — no hidden probability Then Monte Carlo: 1,000 market paths on top

A deterministic base plan

One repeatable Ledger run. No hidden probability in the answer you use to make a decision.

Tax rules you can follow

Brackets, Social Security, RMDs, ACA and Medicare stay visible instead of collapsing into one flat rate.

Monte Carlo on top

Once the base plan makes sense, run randomized market paths to explore what could change.

02Connected effects

Taxes and healthcare, in the same calculation.

Exhibit D — 2031, healthcare + ACAIllustrative

$14,800 total modeled healthcare

ACA premium9,200

Premium tax credit−3,400

MAGI effect from conversion+9,000

One Ledger entry connects the conversion, the MAGI and the subsidy.

Roth conversions do more than create a tax bill. They can change ACA subsidies, Medicare premiums and future required distributions. The Ledger keeps those connected effects in the same year-by-year record.

Most tools flatten this into a single effective rate. RetireOdds writes each rule down where it happens — so when a conversion in 2029 raises a premium in 2031, you can put your finger on the line that explains it.

03The conversion window

Find the years worth converting.

The window between retiring and required distributions is often the lowest-tax stretch of your life. RetireOdds prices a year-by-year conversion ladder against everything it touches — not just this year's bracket.

Fill a bracket, or a MAGI ceiling: Convert up to the top of a chosen bracket, hold under a MAGI limit, or set a fixed annual amount — then see the ladder year by year.
The real cost, not just the tax: Conversions lift MAGI, which can cost ACA subsidy before 65 and push Medicare IRMAA on its two-year lookback. Both are priced into the same projection.
Measured against doing nothing: Every ladder is charted against a no-conversion baseline, with required distributions and remaining taxable balances shown side by side.

Read the Roth conversion guide

Exhibit E — a conversion ladderFill to 22% · window 62 → 72

−$114,200 lifetime tax vs. doing nothing

AgeConvertTaxMAGI

6248,0008,64071,200

6348,0008,64071,900

6431,0005,58058,400

65——44,100

73——52,800

Pre-65 amounts capped to manage the ACA subsidy. RMDs from 73

See your own conversion window.

Your accounts, your brackets, your ACA and IRMAA thresholds — priced in minutes.

Start your free trial → 30 days free · no credit card

04The What If lab

Test a life change without touching your plan.

Exhibit F — scenario draft: “Career break, then downsize”Illustrative

Life eventsCareer break at 52 · home purchase at 582 events

MilestonesAnchor events to retirement or Social Security—

Spending flexTrim discretionary spending after a weak yearOn

Savings orderReserve, debt, employer match, then overflow—

TransfersAccount moves and Roth conversions—

Age 48Retire 6290

Compose a full scenario — events, policies and timing — on an isolated copy of your plan. Your Ledger only changes when you make a confirmed financial action, never because you explored an idea.

Five kinds of change, one scenario: Life events, milestones, spending flexibility, savings priority and account transfers — combined, not one at a time.
Months matter: Enter the month something starts or ends. Exact months are prorated into the same annual engine your Ledger uses, so a scenario stays comparable to your live plan.
Compared on identical market paths: Saving freezes a comparison on the same seeded returns, so the difference you see is the decision — not luck.

Read the What If guide

Notes on method

A retirement answer is only as good as the model behind it.

You should not have to trust a probability you cannot explain. The Ledger shows the facts, rules and connected effects first; simulations come after.

¹Ledger first, simulation second.

Your base plan is deterministic: a year-by-year book of balances, income, withdrawals and tax. Monte Carlo then explores what happens when returns vary.

²Real tax and healthcare rules.

Federal brackets, Social Security taxation, RMDs, ACA subsidies, Medicare and account types — taxable, tax-deferred, Roth — modeled year by year.

³A strict definition of success.

A path fails if it can't fund your spending in any single year — including the last. No partial credit for almost making it.

⁴Every assumption is yours.

Returns, volatility, inflation and withdrawals are editable, with sensible defaults shown — nothing hidden in the model.

Read the full methodology

01Create your account

Create a passkey and add your household basics.

02Bring your holdings

Upload brokerage CSVs; we detect the format.

03See your plan

Review your Ledger and run your first projection — minutes, not an afternoon.

The rate card

Try everything free for 30 days.

No card up front. Nothing charged when the trial ends — you choose what happens next.

The calculatorNo sign-up. Run a quick Monte Carlo with a few inputs — 1,000 paths, editable assumptions, nothing stored.

Try it now

LifetimeEverything, forever. Pay once after your trial — less than an hour of advisory fees. Full planner + iOS app, all future updates.Best value · until Sep 30, 2026

$199once

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YearlySame product, smaller commitment. Cancel anytime and keep your data.

$69/year

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Every plan includes the Ledger, taxes, healthcare + Roth planning. 30-day trial · no credit card · your data stays intact whichever you choose.

Take the Ledger with you.

The full planner — your Ledger, tax plan, healthcare and Monte Carlo odds — native on iPhone.

Download on theApp Store

Correspondence

Questions, answered.

Do you connect to my bank or brokerage?

No — and that's deliberate. You import positions and transactions from CSV files instead, so we never hold your bank or brokerage credentials and can never move your money. Live prices come from public market data.

How is my data protected?

Your data is encrypted at rest with AES-256 and in transit with HTTPS. Sign-in uses passkeys — your fingerprint, face or device PIN — so there's no password to phish. There are no third-party trackers, and you can permanently delete your account and all of its data anytime. Details are in our privacy policy.

What happens when my free trial ends?

Nothing is charged — we don't take a card for the trial. When the 30 days are up you choose: lifetime access for a one-time $199 (available until Sep 30, 2026) or $69/year. Your data stays intact either way.

How accurate is the simulation?

Each result runs 1,000 randomized market paths against your real accounts, withdrawals and taxes, with return and volatility assumptions derived from your actual allocation — and every assumption is editable. No model predicts the future, but you can read exactly how ours works on the methodology page.

Is this financial advice?

No. RetireOdds is an educational planning tool — it shows you the consequences of your own assumptions. It is not a registered investment advisor and doesn't recommend specific investments. For decisions about your money, talk to a qualified professional.

The bottom line

Build the Ledger you can trust.

See your taxes, healthcare and Roth decisions year by year — 30-day free trial, no card. Then lifetime $199 (until Sep 30, 2026) or $69/year.

Start your free trial Try the free calculator

Every retirement decision,tax-optimized.