A private retirement-projection tool — enter your numbers or import a CSV, get a full projection with tax and Social Security strategy, and decide for yourself whether any of it gets saved.
Login using Google, Microsoft, or a one-time login code.
Income, savings, and expenses charted out to your target retirement age and beyond.
Bracket-aware conversion planning and year-by-year "ways to reduce tax" advice.
Upload your SSA statement for an exact benefit estimate, and compare claiming ages.
A chat assistant that already knows your numbers — no re-explaining your situation.
Fill in the form, or import a CSV + your SSA statement to skip the typing.
No calculations are saved — you're looking at a live calculation, not a submitted form.
It has your projection in context, so you can ask "what if I retire at 62" directly.
Download the full Excel workbook and your inputs, or check one box to keep your profile for next time.
Leave "Save this profile" unchecked and nothing but your email, first, and last name will be stored.
Anything identifying (PII) is tokenized with a session-only key before it reaches any calculation or AI call.
It's used to run your own projection and nothing else.
Remove a saved profile from your account with one click.
What to have on hand before you start — income, SSA statement, account details, and a downloadable expense worksheet.
→A walkthrough of every input on the form — 401(k)/HSA, loans, medical, real estate — in plain language.
→The assumptions and formulas behind your year-by-year net worth, savings, and cash flow.
→Federal and state brackets, RMDs, IRMAA, and the conversion-planning logic explained — this is also what backs "Estimate my tax."
→How your benefit, spousal top-up, and survivor adjustments are estimated — this is also what backs "Estimate my Social Security."
→What every column in the downloaded spreadsheet means.
→Plain-language definitions for the acronyms and terms used throughout the app — AIME, IRMAA, RMD, SALT, ILIT, and more.
→RetireWell is an educational planning tool, not a licensed financial advisor. Projections are estimates based on the assumptions you provide and are not a guarantee of future results.