If you live in one state but work in another (e.g., live in Indiana, work in Illinois), you may owe taxes to both states. Some states have reciprocal agreements that prevent double taxation — check with a tax professional.
Enter your current balances. If starting from zero, leave at $0.00.
Default stock return is 8% (historical S&P 500 average). The simulator uses these as base rates and adds volatility through fat-tail distributions.
These probabilities come from 500 Monte Carlo simulations using fat-tail distributions (Student's t, 5 df) which model crashes 2-3x more often than standard calculators. This is closer to how real markets behave.
Nominal = raw dollar amount. Real = what it actually buys in today's dollars after inflation erodes purchasing power.
These numbers show what your net worth actually buys in today's purchasing power after inflation erodes the value.
This shows the probability density of your net worth across all 500 simulations. The peak shows the most likely outcome. The wider the curve, the more uncertainty. Wall Street uses this same visualization to assess portfolio risk.
2008: -37% · Dot-com: -45% · COVID: -34% · Job loss models 0 contributions that year.
The biggest risk to your retirement isn't a market crash — it's a crash right before you retire. If the market drops 37% at age 64 and you need the money at 65, you're forced to sell at the worst possible time. The bucket strategy prevents this.
In this model: When enabled, the simulator gradually shifts your allocation from 100% stocks to ~40% stocks / 60% bonds between your start age and retirement. This reduces crash impact by absorbing losses in the bond portion while stocks recover.
The tradeoff: Less growth in the final years (bonds return ~4% vs stocks ~8%). But protection from a 2008-style crash right before retirement can save you $100,000+ compared to being 100% in stocks.
This shows what happens in the WORST scenarios — not the average. These numbers use Conditional Value at Risk (CVaR), the same metric banks use to stress test portfolios.
A drawdown is a peak-to-trough decline. This shows the worst drop your portfolio experiences before recovering. Larger drawdowns are harder to recover from — a 50% loss requires a 100% gain to break even.
Based on your monthly expenses, conservative 5% retirement return, and inflation-growing withdrawals. "Money lasts until age X" means your savings are depleted by that age in the worst scenarios.
The same -37% crash costs dramatically more at age 63 than at age 45 because you have less time to recover and more money at risk.
See personalized loss/recovery math using YOUR portfolio balance — how much you'd lose in dollar terms, and how many years each drop takes to recover.
At age 73, the IRS forces you to withdraw minimum amounts from traditional accounts (401k, 403b, Traditional IRA). Roth IRAs have NO RMDs. These forced withdrawals can push you into higher tax brackets.
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Most retirement calculators assume a straightforward financial life — one country, one career, one tax system. But millions of Americans, including international workers, immigrants, green card holders, veterans, gig workers, and anyone with a non-traditional career path, don't fit that mold.
FinnG Retire was built to serve everyone — with specific features for international workers who face unique challenges like Social Security quarter requirements, totalization agreements, and the "what if I leave" scenario that no other calculator models.
Affordable for everyone. FinnG believes retirement planning tools should not cost hundreds or thousands of dollars. The core calculator is completely free — no limits, no trial period, no feature walls on the essentials. PRO+ is $10/year because we think that's a fair price for premium features. Not $29. Not $99. Not $1,000. Ten dollars.
Privacy is not negotiable. Everything runs in your browser. No data is sent to any server. No account required. No login. No tracking. No cookies. No analytics. Your salary, your savings, your Social Security estimates — none of it ever leaves your device. We can't see your data because we never receive it. This is by design, not by policy.
Honest math. We don't inflate projections to make you feel good. Our 7-layer Monte Carlo engine uses regime-switching markets, fat-tail distributions, correlated asset crashes, and a black swan safety margin. We show ruin probability — the chance your money runs out — because that's the number that actually matters. Every data source is cited. Every limitation is documented.
| Feature | Free | PRO+ ($10/yr) |
|---|---|---|
| 7-Layer Monte Carlo (500 sims) | Included | Included |
| Dashboard, Charts, Risk Analysis | Included | Included |
| Stress Test (CVaR, Drawdown, Sustainability) | Included | Included |
| SS Tracker, Totalization, Leave US | Included | Included |
| Ruin Probability, Safe Withdrawal Rate | Included | Included |
| Save/Load Scenarios | — | Included |
| Spouse/Partner Planning | — | Included |
| Roth Conversion Optimizer | — | Included |
| SS Claiming Age Optimizer | — | Included |
| Catch-Up Contribution Calculator | — | Included |
| Long-Term Care Estimator | — | Included |
| SS Solvency Risk Analysis | — | Included |
| Loss/Recovery Math Table | — | Included |
| PDF Report Export | — | Included |
| Annual Formula Updates (IRS/SSA) | — | Included |
The core calculator is free forever — no signup, no trial, no limits. PRO+ ($10/year) unlocks all 8 premium features plus annual formula updates. We update every January with verified IRS and SSA data.
| Data | Source | Value |
|---|---|---|
| Tax brackets & standard deduction | IRS Rev Proc 2025-32 (OBBBA) | $16,100 / $32,200 |
| 401k/403b limit | IRS Notice 2025-67 | $24,500 |
| IRA limit | IRS Notice 2025-67 | $7,500 |
| HSA individual limit | IRS 2026 | $4,400 |
| SS wage base | SSA 2026 | $184,500 |
| SS bend points | SSA 2026 | $1,286 / $7,749 |
| PIA replacement factors | 42 USC 415(a)(1)(A) | 90% / 32% / 15% |
| RMD start age | SECURE 2.0 Act | 73 or 75 |
| Withdrawal rule | Trinity Study (1998) | 4% annually |
| Healthcare estimate | Fidelity Retiree Study | $315k+ lifetime |
Last verified: 2026. PRO+ subscribers receive updated data every January.
This tool uses mathematical models and historical patterns to project possible outcomes. All projections are estimates. Specific limitations include:
Moderate impact: No behavioral risk modeling (assumes you hold through crashes). SS taxation simplified (uses 85% always). Healthcare costs are flat by age. No estate tax for non-citizens ($60k vs $13.6M exemption).
Low impact: Volatility scaling is approximate. Single inflation rate (no category-specific). Dual-state tax is simplified. Total employer+employee cap ($72k) not enforced.
Out of scope: Divorce, disability, annuities, cryptocurrency, estate planning, state-specific Medicaid rules. These require professional advice specific to your situation.
This tool is for educational and informational purposes only. It is NOT financial, tax, legal, or investment advice. All projections are estimates based on mathematical models and historical patterns. Past performance does not guarantee future results. Tax laws, Social Security rules, and contribution limits change. Your personal situation is unique. Always consult a qualified financial planner, tax advisor, and estate planning attorney before making retirement decisions. The creators of FinnG Retire are not liable for any decisions made based on this tool's projections.
All calculations run entirely in your browser using JavaScript. No data is transmitted to any server. No cookies, no tracking, no analytics. Saved scenarios are stored in your browser's localStorage on your device only. Clearing your browser data will delete saved scenarios. Full privacy policy