Tell us where you stand today. We find your earliest realistic retirement date — stress-tested against real market crashes.
Salary, assets, expenses, partner info, and life events. The more you fill in, the more accurate your plan.
Our engine sweeps every combination of working years automatically — you never have to guess. It enforces pre-60 account access rules and exact taxes.
1,000 Monte Carlo scenarios and 5 historical crashes (1929 through COVID) confirm how robust your plan really is.
Instead of asking how long to work, FuturePath tests every combination of salary, semi-retirement income, and duration — surfacing the earliest viable date for each confidence level.
Federal income, capital gains, FICA, state & city taxes, NIIT, and RMDs are all computed precisely — not estimated — for every year of your projection.
1,000 simulations with randomized market returns show the range of outcomes. Green means ≥90% of paths succeed; amber means 80–90%; red means at risk.
Five real crashes (Great Depression through COVID) are replayed at three retirement timings each. A "battle score" ranks plans by worst-case survival across all 15 scenarios.
Income, taxes, and assets are modeled as a single household. Each partner has independent retirement timing, Social Security, and pre-60 bridge requirements.
Snapshot any configuration as a named plan to compare scenarios side by side. Sign in to sync your plans securely across devices.
Even with $2M in a 401k, you can't typically access it before age 60 without penalty. FuturePath enforces this hard constraint — you must have enough in cash, taxable brokerage, and Roth contribution basis to cover all expenses from your retirement date to age 60. A scenario only passes when this bridge is fully funded.
Standard deduction only (no itemized)
Traditional accounts accessible at 60 (vs. 59½)
Single Social Security stream per person
No defined-benefit pensions
Growth rates are nominal (not inflation-adjusted)
No estate planning or inheritance taxes
For pensions, spousal SS benefits, or complex estate needs, use FuturePath as a starting point and verify with a fiduciary advisor or CPA.