RetirePath: Retirement Planner

About RetirePath: Retirement Planner

Can I retire at 62? At 55? Will my money last?

RetirePath is a retirement calculator that answers the big question, not just 'what's your number', but whether your income covers your spending, year by year, for the rest of your life.

🔒 Radically private
The financial details you enter — income, savings, budget, net worth — stay on your phone. No account. No sign-in. No bank linking. No ads. Works completely offline. We never track how you use the app, and your plan is never uploaded, sold, or shared. Back up your plan whenever you want with an encrypted file only you can open.

💵 Pay once, yours forever
No subscription. While competing planners charge $100–150 every year, RetirePath is a single one-time unlock. Plan for the next 40 years without renting your own retirement plan.

👫 Built for couples
Model both partners' Social Security (with survivor rules), pensions with survivor percentages, and the years between early retirement and benefits — the "bridge years" most retirement calculators ignore. Every screen is designed to make sense to both of you, not just the spreadsheet person.

What you get free:
• A plain-English verdict: does your income cover your budget?
• Year-of-retirement countdown and guaranteed-income floor
• Full budget builder with fixed costs, variable spending, and buffer
• Social Security, pension, and part-time income modeling
• Survivor stress test — if either of you passes first, does the plan still work?
• Net worth tracking and an encrypted backup you control

The one-time unlock adds:
• Year-by-year cash flow from retirement to age 92+
• Monte Carlo forecast — the probability your money lasts, across 1,000+ market futures
• "Will your plan hold up?" — stress tests for a market crash, high inflation, a long life, a Social Security cut, and a long-term care event
• Roth conversion window planner with estimated tax cost per year
• Medicare IRMAA surcharge warnings before you cross the cliff
• Where-the-money-flows diagram, withdrawal sequencing, and a Social Security claim-age optimizer
• Save and compare what-if scenarios ("Retire at 62", "Spend less, retire sooner")
• PDF export of your complete plan

🔥 FIRE-ready
Chasing financial independence? RetirePath speaks your language: Coast FI, Barista FI, Lean and Fat FIRE milestones, a crossover chart that shows the year you reach your number, and an adjustable withdrawal rate (3–5%).

🧘 Simple or Full — you choose
A calm Simple view with just the essentials, or the Full experience with every tax and stress-testing tool. Switch anytime in Settings.

Try the built-in sample plan before entering a single number.

Whether you're asking 'can I retire at 55', 'can I retire at 62', or whether one million is enough — this retirement calculator runs your actual numbers instead of a rule of thumb.

RetirePath provides planning estimates, not financial, tax, or investment advice. Consult a qualified advisor for decisions about your money.