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Join thousands of smart investors who trust FourPercentRule.com for their retirement planning
Advanced Retirement Calculator
Go beyond basic calculators with our sophisticated Monte Carlo simulations, historical backtesting, and customizable scenarios. Model complex retirement strategies with precision.
- Monte Carlo analysis with historical data from 1980+
- Monthly vs. yearly calculation modes
- Multiple income streams and expenses
- Real estate and home equity modeling
- Spouse planning integration
Smart Budget Planner
Track your monthly expenses and see how they impact your retirement timeline. Our integrated budget calculator helps you optimize spending for maximum retirement savings.
- Categorized expense tracking
- Real-time retirement impact analysis
- Spending optimization suggestions
- Export and share budget plans
Tax-Optimized Planning
Understand the tax implications of your retirement withdrawals with our built-in tax estimator. Plan smarter, keep more of your money.
- Federal and state tax calculations
- Different filing status scenarios
- Withdrawal strategy optimization
- Tax-efficient planning insights
Spending Smile Analysis
Model how your spending patterns might change throughout retirement. Account for higher healthcare costs, travel plans, and lifestyle adjustments.
- Age-based spending adjustments
- Healthcare cost modeling
- Lifestyle change scenarios
- Visual spending curve analysis
Portfolio Allocation Explorer
Experiment with different asset allocations and see their historical performance. Find the right balance of risk and return for your retirement goals.
- Historical performance backtesting
- Risk vs. return analysis
- Rebalancing strategies
- Market volatility modeling
Cloud Sync & Plan Sharing
Never lose your retirement plans. All your scenarios are automatically saved to the cloud, and you can share plans with family, advisors, or friends.
- Automatic cloud backup
- Multiple saved scenarios
- Shareable plan links
- Cross-device synchronization
Join Our Thriving Community
Expert Discussions
Connect with financial experts, retirees, and fellow planners in our active community forum.
Educational Resources
Access exclusive guides, webinars, and retirement planning strategies from industry professionals.
Peer Support
Share experiences, get advice, and learn from others on similar retirement journeys.
Choose Your Plan
Free Account
- Basic retirement calculator
- Simple budget tracking
- Community forum access
- Save up to 3 scenarios
Premium Account
- Everything in Free, plus:
- Advanced Monte Carlo simulations
- Spending Smile analysis
- Unlimited saved scenarios
- Tax optimization tools
- Portfolio allocation explorer
- Priority customer support
- Export detailed reports
14-day free trial • Cancel anytime
Financial Advisor
- Everything in Premium, plus:
- Client management dashboard
- White-label reports
- Bulk scenario modeling
- API access for integrations
- Dedicated account manager
What Our Users Say
"This tool helped me realize I could retire 3 years earlier than I thought. The Monte Carlo analysis gave me confidence in my plan."
— Sarah M., Retired Teacher"The spending smile feature was a game-changer. I never considered how my expenses would change throughout retirement."
— Robert K., Financial Planner"Finally, a retirement calculator that handles complex scenarios. The tax planning features alone are worth the subscription."
— Jennifer L., Software EngineerReady to Take Control of Your Retirement?
Join thousands of smart investors who trust FourPercentRule.com for their financial future.
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