Plan your own retirement, year by year.

A detailed retirement planning spreadsheet, built by a do-it-yourself planner for other do-it-yourself planners. Taxes, Social Security, Roth conversions, healthcare and more, projected for every year of your retirement.

Get notified at launch

Now in beta testing.

What does a 1% advisory fee cost?

Starting portfolio

Years

Annual growth before fees

Annual fee

Value with no fee Value after fees Fees paid Total cost, including lost growth

An illustration, not a prediction. It assumes steady growth, no withdrawals, and a fee charged on the balance at the end of each year. Change any number to try your own.

What the planner covers

You enter your accounts, income and plans once. The planner works out every year from now through your nineties and shows the results on a dashboard of charts.

Social Security: Including survivor benefits when one spouse passes.
Pensions: Including vesting, so you can see what leaving early would cost.
Income taxes: Federal and state tax for all 50 states and DC, including capital gains.
Roth conversions: Plan conversions year by year and see the tax effect.
Required minimum distributions: Calculated from the IRS tables for each year.
Medicare and healthcare: Premiums, IRMAA surcharges, and coverage costs before Medicare starts.
Home and loans: Real estate, upkeep, mortgages and other loans.
Estate tax: Federal and state estate tax on what you leave behind.

Plan a move to a lower-tax state

Pick the year you'd move and see how it changes your cash flow and net worth. It's the question that started this project, and one most retirement tools can't answer.

Your numbers stay on your computer

The planner is an Excel workbook. You download it once and use it on your own computer. Nothing you enter is uploaded, and you don't need to create an account or link your bank.

Why I built it

I'm Tony Sisti. I've spent nearly 40 years in information technology, the last 25 in cybersecurity risk and compliance.

When I started planning my own retirement, I didn't want to pay an advisor 1% of my savings every year. The online calculators I tried couldn't answer the questions I actually had, like what happens if we sell the house and move to a state with lower taxes. So I built my own model in Excel.

It's the model I use for my own plan. Now I'm making it available to other people who would rather do this themselves.