The most sophisticated retirement calculator — with 50-state taxes, Monte Carlo simulations, semi-retirement planning, and Roth conversion strategies.
Why FuturePath
Most calculators use oversimplified assumptions. FuturePath models the full complexity of your financial life.
1,000+ randomized market scenarios show the true probability your plan survives — not just the optimistic average.
Federal, state, FICA, capital gains, and Social Security taxation modeled year-by-year for every US state.
Model a phased transition: keep your high income longer, then downshift to part-time work before full retirement.
Compare multiple retirement paths side-by-side. Find the earliest feasible date to financial independence.
See how your portfolio holds up in early, mid, and late-career recessions before you commit.
Optimize tax-free retirement income with automated Roth conversion strategies and guardrails.
How We Compare
Most tools make you choose between depth and simplicity. FuturePath doesn't.
No single competitor covers all of the above.
FuturePath | Empower | Boldin | FIRECalc | ProjectionLab | cFIREsim | |
|---|---|---|---|---|---|---|
Monte Carlo simulations | ||||||
Historical simulation (back to 1871) Real sequences including crashes & recoveries | ||||||
All 50-state tax modeling Federal + state + FICA + capital gains, year-by-year | ||||||
Semi-retirement / phased income Model a gradual wind-down before full retirement | ||||||
Recession stress testing Crash scenarios at different career stages | ||||||
Roth conversion strategies | ||||||
529 / college savings |
How It Works
Input your assets, income, expenses, and goals. Our guided setup takes about 3 minutes.
We run 1,000 Monte Carlo simulations and model dozens of tax scenarios instantly.
Get a clear, interactive view of your earliest path to financial independence with risk analysis.
Privacy First
FuturePath works fully without an account. Your data is stored locally by default. Sign in to sync securely to the cloud across all your devices — no ads, no data selling, ever.
What People Say
"Finally a retirement calculator that accounts for semi-retirement. This changed how I think about my career transition."
"The state-by-state tax modeling is incredibly accurate. I've verified it against TurboTax estimates and it's spot on."
"No account required to start and the depth of modeling blows every other tool I've tried out of the water."
Learn More
Private, powerful, and takes less than 5 minutes to get your first projection.
No account required to start. No data collection.