Plan a retirement that actually lasts.
Short, practical guides on saving, spending, early retirement, and the math behind your odds — written to help you be fiscally confident, not overwhelmed.
Product demos
Watch the feature, then see the odds it's built on.Your Odds
1,000 simulated lifetimes — and every one that runs out of money, itemized.
Portfolio Insights
Every position priced for taxes, with the moves ranked by payoff.
Net Worth
Recorded from real holdings — not remembered, not guessed.
Healthcare
The ACA-to-Medicare bridge, priced year by year to 90.
Tax Planning
46 years of tax and IRMAA, priced before you get there.
Roth Ladder
One ladder, $180,412 less lifetime tax.
Trade Scenario
See the tax bill before you sell — down to the lot.
Trace This Number
Click any number on the Ledger and see exactly why.
The Connected Year
A $28,000 trip that actually costs $33,632 — and why.
Retirement on the Books
Every remaining year of retirement, on the books.
Retirement Basics
The core ideas every plan rests on.The 4% Rule, Explained (and When It Breaks)
What a safe withdrawal rate is, where the 4% rule comes from, and why your real number depends on how long…
How Much Do You Actually Need to Retire?
A simple, honest way to estimate your retirement number using your real spending, the 25× rule, and the gap…
Net Worth: The One Number That Tells the Truth
Why net worth — assets minus liabilities — is the clearest single measure of financial progress, and how to…
Planning Ahead
Turn scattered accounts into a real plan.Build a Retirement Plan in 6 Steps
A no-nonsense, six-step framework to go from scattered accounts to a real retirement plan you can run, test…
Your Savings Rate Beats Your Returns
Why the percentage of income you save matters more than chasing investment returns — especially in your fir…
Early Retirement & FIRE
Buy back your time, sooner.FIRE: Financial Independence, Retire Early
A plain-English intro to the FIRE movement: what financial independence means, the math behind it, and how…
Lean, Fat, Coast & Barista FIRE
The main flavors of FIRE explained simply — Lean, Fat, Coast, and Barista — so you can pick the path that f…
Spending & Expenses
Know your number, control your rate.Track Your Spending Without Hating It
A low-friction approach to expense tracking that actually sticks — so you know your real spend without logg…
Find Your Real Annual Spend (Your North Star)
How to calculate the single most important number in retirement planning — your true yearly spending — and…
Monte Carlo & Risk
Plan for uncertainty, not a single guess.Why Monte Carlo Beats a Single Average Return
How a Monte Carlo retirement simulation works, why it's more honest than a fixed-return spreadsheet, and ho…
Sequence Risk: Why the Order of Returns Matters
Sequence-of-returns risk explained: why a market crash early in retirement is far more dangerous than the s…
Expat & Currency
Retire abroad without nasty surprises.The ExpatFIRE Playbook: Retiring Abroad
How retiring in a lower-cost country can shrink your retirement number — plus the currency, visa, tax, and…
Currency Risk When You Retire Abroad
If your savings are in dollars but you live on another currency, exchange rates become a core retirement ri…
Expat Taxes: FEIE, Foreign Tax Credit & State Tax
A plain-English overview of how US taxes follow you abroad — the FEIE, the Foreign Tax Credit, and how to e…
See your own odds.
Put your real numbers in and run a 1,000-path Monte Carlo simulation — free to start.
Create your free account →RetireOdds publishes educational content to help you make informed decisions. It is not financial, investment, or tax advice. Figures shown are illustrative.