Comprehensive number of inputs to ensure accurate, real-life projections

Variables that you knew you had to consider. Variables you had no idea you needed to factor in. The Relax retirement planner lets you input all the data you need to make accurate, real-life predictions about your savings. Among others:

  • Marital status
  • Spouse data
  • State of residency
  • Social security
  • Federal and state taxes
  • Taxable, tax-free, tax-deferred, Roth assets
  • Periodic, recurring and one-time expenses
  • 401k/IRA withdrawals and contributions
  • Employment, work in retirement and retirement incomes
  • Multiple levels of annual inflation
  • Annual social security income COLA
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Automatic calculations of complex, yet critical input components

To give you more precise answers, this planner calculates the following variables automatically, without having to guess or manually calculate them:

  • Social security at any month and age, including divorced, spousal and survivor benefits
  • Federal taxes (uses inflation-adj. data)
  • State taxes for all states (uses inflation-adj. data)
  • Federal & state capital gain and NII taxes
  • Early IRA withdrawal penalty
  • Social security earnings test
  • SS income to be taxed at federal & state level
  • Required minimum IRA distributions (both spouses)
  • Asset withdrawal rate
  • Each state's age 65+ extra standard deduction
  • Each state's retirement income tax exemption

Modeling of important “what if” scenarios

You can’t predict what happens in life. But you can be prepared. With the Relax retirement calculator, you can find out how important life events could impact your savings:

  • Death of a spouse
  • Stock/bond market declines
  • Delay/accelerate retirement or social security
  • Enter annual returns or run Monte Carlo Simulations
  • Increase/decrease expenses at future age
  • Deposit (inheritance)/withdraw assets at future age
  • Move to another state (with different tax rates) at a future age
  • Convert tax deferred assets to Roth IRA
  • Increase future federal tax rates
  • Sell/purchase home at future age
  • Sequential or Proportional asset liquidations
  • Reinvest annual dividends/interest or treat as income for each asset class
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Instant feedback and second opinions

  • Get instant feedback with each tweak of the data to easily find the combination of assumptions that maximize the longevity of your savings
  • Run Monte Carlo simulations to get a second opinion

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Helpful in-planner instructions & free in-person support

Not sure how to fill out a certain field? Wondering which of your documents contains the data you need to input? Use the built-in help guide to get detailed instructions or get in touch with us via call or email to get all your questions answered:

  • Additional info for every input field accessible within the calculator
  • Free PDF user guide downloads automatically to desktop
  • Free in-person support via phone or email
  • Free, automatically downloaded and installed software updates when appropriate

Detailed reports & charts

No "black boxes" here! The 50+ reports and 40+ charts help you track your asset balances, see exactly why your assets rise or fall and give you insights on how the calculations were performed in case you want to check the math. Among others:

  • Summary: a "big picture" look at annual income, expenses, P/L, and year-end assets
  • Annual ending assets: reports & charts for each asset category and class
  • Federal and state taxes: plus 7 supporting reports
  • Social security reports: 11 reports detailing calculations at each start month and age, and spousal and divorced benefits for each spouse
  • Reference reports: 5 reports showing 80+ years of stock market returns, economic statistis, RMD lifetime table, and much more
  • Individual security holdings and their percentage of the portfolio for each asset class
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60-day risk-free trial

Using a full-featured planner, explore all of the above features, run countless retirement or "what-if" scenarios, and examine the detailed reports and charts before deciding to renew the license.

If satisfied with the planner, renew for less than the cost of dinner for two!

Not happy with our tool? Don't renew the license. It's that simple and risk free.

What our customers say

What has impressed me the most is how comprehensive and complete this software is, especially when compared to the virtually worthless “free” calculators that I have tried. The free ones just take a couple of inputs and spit out a number. The level of detail on this planner is quite high, which makes it a complete planner, but it is still very intuitive and easy to use. I am very pleased with the product and highly recommend it to anyone interested in planning their retirement needs.

— Tom Maguire, Seattle, WA

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

I’ve been planning for retirement, and this calculator has been a huge help. So many factors to consider and factors that I wasn’t considering before. Tried free calculators, they were underwhelming and always trying to upsell something. Worth the $$$. Feature-rich but easy to use.

— Brian Brinker, Phoenix, AZ

What I found [while using Relax retirement calculator] were clear, concise answers to my questions—a yearly portfolio roadmap, if you will, predicated on myriad variables (e.g., income fluctuation, inflation, portfolio volatility and returns). Plus, it highlights the important effects of taxes as well as recurring and extraneous expenses on long-term portfolio performance—a big wake up call to me! I highly recommend the Relax Retirement Planner for anyone, regardless of age

— Mitch, Nashville, TN

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

I have tried to find affordable programs that would assist me in determining the answer to this nagging question but they always seemed cumbersome, expensive and geared towards financial professionals. This planner allowed me to take my financial information and projections, plug it into the data fields and get accurate information to not only see where I stand, but also contemplate any adjustments that may be needed to my retirement contributions or even my current lifestyle. This is a great tool.

— Jeff R, Oklahoma City, OK