Modern retirement projection
Inspect annual cash flow, taxes, healthcare, MAGI and the ACA cliff, account withdrawals, shortfalls, and ending balances across the modeled horizon.
Retirement Calculator
Integrated retirement decision modeling
Model the financial decisions that shape retirement.
Build hypothetical scenarios that connect retirement income, taxes and MAGI, healthcare and ACA estimates, withdrawal sequencing, portfolio outcomes, and major housing decisions.
Educational modeling tools only. Not financial, tax, legal, insurance, or investment advice.
Investment Disclaimer
Tax & MAGI-aware modelingEstimate taxable income and inspect how modeled withdrawals affect MAGI over time.
Healthcare & ACA modelingConnect pre-Medicare coverage, Marketplace premiums, modeled subsidies, and Medicare transitions.
Withdrawal sequencingModel cash, taxable, tax-deferred, and Roth accounts with account-level timing and priorities.
Monte Carlo & cash flowCompare detailed annual projections with hypothetical long-term market outcomes.
Questions ML Stats can help answer
Test concrete decisions in a scenario you can inspect.
- How much can I withdraw while managing MAGI?
- Which accounts could fund retirement first?
- How could ACA subsidies change as income changes?
- What happens when healthcare costs change at Medicare?
- What does moving do to monthly costs and long-term equity?
- How do taxable and tax-exempt yields compare?
Designed for transparent review
Calculate retirement scenarios without a black box.
- Detailed annual cash flow
- Account-by-account withdrawals
- Taxes and MAGI estimates
- Healthcare and ACA assumptions
- Social Security and pensions
- Visible, editable assumptions
Flagship Retirement Calculator
See the retirement projection—and the decisions driving it.
Model income, spending, account availability, federal tax treatment, healthcare coverage, ACA estimates, Social Security, pensions, and withdrawals across one connected projection.
Healthcare & ACA
Model Marketplace coverage, premiums and benchmark plans, other healthcare costs, and the transition to Medicare.
MAGI management
Compare modeled MAGI with the ACA income cliff and apply Off, Attempt, or Strict handling to the withdrawal scenario.
Withdrawal sequencing
Set priorities and availability for cash reserves, taxable brokerage, 401(k), IRA, and Roth IRA accounts.
Monte Carlo results
Review hypothetical funded-income and shortfall outcomes under adjustable market and inflation variability.
Connected calculations
Model the interactions that simple retirement calculators miss.
Withdrawals, Roth conversions, taxable income, healthcare subsidies, and account availability can affect one another from year to year. ML Stats calculates those relationships within the same hypothetical projection.
ACA & healthcare costs
Estimate Marketplace premiums and PTC, other pre-Medicare costs, and Medicare expenses by person and month.
MAGI-aware income planning
Track modeled income components, Roth conversions, MAGI, ACA income limits, and available headroom.
Account withdrawal sequencing
Apply account priorities while accounting for age, required distributions, cash availability, and selected MAGI handling.
Standalone calculators
Focused calculators for the decisions around retirement.
Use a focused estimate on its own, then return to the broader retirement scenario when you need the interactions.
ACA Subsidy Calculator
Compare household MAGI with the modeled income limit and estimate the federal Premium Tax Credit.
ACA Subsidy Calculator
Tax Yield Calculator
Compare nominal, after-tax, and tax-equivalent yields under selected federal, state, local, and additional tax assumptions.
Tax Yield Calculator
Home Move Calculator
Model sale proceeds, monthly housing costs, home equity, break-even timing, and modeled housing-related net worth.
Home Move CalculatorPortfolio tools
Explore portfolio scenarios and account-level rebalancing.
Use these companion tools for focused historical and hypothetical portfolio analysis or to calculate reviewable trades against the targets you enter.
Portfolio Modeler
Explore historical periods, hypothetical projections, income sustainability, allocation assumptions, and Monte Carlo outcomes.
Portfolio Modeler
Portfolio Rebalancer
Enter holdings and target percentages to calculate hypothetical account-level buy and sell amounts for review.
Portfolio RebalancerDesigned for review
Return to scenarios on desktop or mobile, in light or dark mode.
Responsive, theme-aware layouts support repeated review. Calculator inputs and cached results remain in browser-local storage without requiring an account.
Dark-mode desktop
A high-contrast workspace for detailed assumptions, projection tables, and charts.
Light-mode desktop
The same scenario details and results in a bright, readable theme.
Responsive mobile layout
Review assumptions and modeled results from a narrow screen without losing the account-level structure.
Start with your retirement scenario—then test the decisions around it.
Build an educational, hypothetical projection, inspect the assumptions, and use focused calculators when a healthcare, tax, portfolio, or housing decision needs a closer look.