Are these questions keeping you up at night?

You’ve been putting money aside. But you still worry if it will be enough.

  • When can you (finally) retire?
  • Will you be able to maintain your standard of living when you do? And if not, what do you have to change today?
  • When should you start receiving social security?
  • How will major life events, like a stock market crash or a spouse's death, impact your savings? What can you do to prepare?
 

Stop worrying and get clarity about your financial future

with the Relax Retirement Planner

Accurate, real-life predictions

Taxable, tax-free and tax-deferred assets. Data that you knew you had to factor in. And data you had no idea made a difference. This calculator factors in enough variables to give you accurate predictions you can trust.

Super easy to use

Don’t understand anything about finances? No problem. This calculator is so simple to use, you’ll get the first results within 15 minutes. It lets you input all key data on one screen and provides you with additional information if you ever get stuck.

Your data remains private

No need to create an online account. Or give the Relax calculator access to your bank accounts. Install the tool on your computer and input your financial information yourself, keeping all your data private.

Try before you buy

Download our full-featured Relax planner for free and run countless retirement and "what-if" scenarios for 60 days. Explore its many features, detailed reports and charts -- it's a no-risk deal.

 
Testimonials
No more guessing. This product tells you exactly how long your savings will last.

I found this tool to be very easy to use. It takes into consideration all of the pertinent factors and does all of the legwork for you. I love that it factors in what state you live in and allows you to decide when you plan to take social security, since these things matter. Then, it gives you a clear, concise answer to the question we are all asking “How long will my money last”. No more guessing. The Relax retirement planner is well worth the money, as I can plan my financial life with much more accuracy than ever before.

— Philip B, Marietta, GA

 
 

Software you can trust

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Our company is BBB-certified with an A+ rating, which means it’s legit and our customers are A+ happy.

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Our software is digitally signed and notarized by Norton (DigiCert) and Apple, which means it's safe to use.

Try before you buy

Try the full-featured Relax Retirement Planner FREE for 60 days. Renew license only if totally satisfied.

 

Have you ever seen a retirement planner with THIS many features?

It’s not like we added them just for fun. You need all these features to get accurate, real-life predictions you can trust.

Variables factored in

  • Marital status
  • Spouse data
  • State of residency
  • Federal and state taxes
  • Social security
  • Taxable, tax-free, tax-def & Roth assets
  • Recurring and one-time expenses
  • 401k/IRA/Roth withdrawals and contributions
  • Employment, work in retirement and retirement incomes
  • Two levels of annual expense inflation
  • Annual social security income COLA

Automatically calculated

  • Social security at any start age
  • Divorced, spousal and survivor SS benefits
  • Federal taxes (inflation-adjusted data)
  • State taxes (inflation-adjusted data)
  • Short/long-term capital gain and NII taxes
  • Age 65+ extra standard deduction
  • Retirement income tax exemption
  • Early IRA withdrawal penalty
  • SS income to be taxed at federal & state
  • Social security earnings test and rebates
  • RMDs for each spouse
  • Asset withdrawal rate

"What if" scenarios

  • Death of a spouse
  • Stock/bond market declines
  • Early/delayed retirement or social security
  • Increase/decrease percentage returns
  • Run Monte Carlo simulations
  • Roth conversions
  • Increase future tax rates
  • Increase/decrease expenses at any age
  • Deposit/withdraw assets at any age
  • Sequential or proportional liquidations
  • Move to another state at a future age
  • Sell/purchase home at future age
  • Reinvest annual returns or treat as income
 

What our customers say

Testimonials
No other software comes close to this planner's capabilities

I particularly appreciate the tremendous flexibility and detail the planner provides in specifying investment mix in both conventional forecasts and Monte Carlo simulations.  This feature, and the ability to generate various “worst case” scenarios (e.g., major recessions) give me much greater confidence that the results are realistic.  Having researched multiple software packages, I know of no other consumer-level software that comes as close as the Relax Retirement Planner to the capabilities of advanced (and much more expensive) software packages that are used by professional financial advisors.

— Alan F., Washington DC

I Love The Instant Feedback ... Money Well Spent ... A No Brainer To Try

I was a little skeptical to pull the trigger as the website does not do justice to the full capability of the product.  It’s so simple to use that I really didn’t need to use the tutorial for the first week, which was enough to validate my basic plan and convince me it was money well spent!  I then eased into more advanced features.  I love the instant feedback from what-ifs and the Monte Carlo simulations. I now keep the application running in the background and update/tweak my data inputs bi-weekly. The try-before-buying feature makes the download a no brainer.

— Joe A., Carlisle, PA

... Its "What if" Contingencies Differentiate the Relax Planner...

Out of the 5+ retirement planners (the poor “free” ones) I’ve tried, the Relax planner is, by far, the most comprehensive and easiest to use/understand. The planner’s ability to easily model several types of “what if” contingencies is a key differentiation from other planners, and one that is necessary if you are serious about finding any “pot holes” in your financial planning. Another customer’s review on this site stated “this is the one you want” and he is correct!

— Clark A, Marco Island, FL

I Use a Financial Advisor... the Relax Planner Provides a Second Opinion

I use a personal financial advisor, but I also like doing my own analysis for a second opinion. Last year The Relax Retirement Planner was telling me I was in good shape until my wife and I were past age 100. However, this year (2022) all the markets took a dive. What did this do to my retirement? Since the Relax planner allows me to model for various market conditions, it told me everything was OK. What if I changed the inputs to reflect the current value of my investments? Well, it still showed that things were fine. What I especially like are the reports and charts showing where your income is coming from each year. Not many products show this in detail.

— Steve G, Coppell, Tx

It provides a complete and accurate picture... this is the one you want

Since the Relax Planner takes into account more financial inputs than the other calculators I’ve tried, it provides what I consider to be a more accurate and complete picture of my future finances. In addition, this is the first calculator I’ve seen that has both a Monte Carlo simulation and allows you to enter your own estimate of annual returns. If you are serious about calculating your future financial condition, this is one you want.

— Gregg W, Montgomery, AL

It gives me a great comfort as I look out into the future

With the help of the Relax retirement program, I have a better understanding of the financial risks I face. I could never have factored in (nor even thought of) the many features of this product, like the impact of beginning social security early. Or whether I should accelerate or delay my pension, the impact of taxes, etc. This product is a great comfort to me as I look out into the future.

— Mark B, Pinehurst, NC

Easy to use even if you know nothing about finances

I am a divorced female in my late 50s. I know very little about finances, and I needed an inexpensive way to help me determine my financial future. I was pleasantly surprised that the program does so much with the click of a button, and the charts and reports look great. Most importantly, since I know virtually nothing about finances, the program was easy to use. Even when I was stumped, the “help” button explained everything.

— Resa C., Clearwater, FL

This planner is plug and play...

I am 60 yrs old, and was wondering if I could quit working in 2 years given my amount of savings and spending. I have tried other calculators that supposedly answered the questions but they were cumbersome, and not very complete. This planner is plug and play—just enter your data. I can change the assumptions and see the impact on my savings — in color. This helps with long term planning better than any other calculator I have tried.

— Kevin Marra, Hilton Head, SC