The RiskRadar Retirement Calculator - Production Release

Today we’re proud to announce the public production release of The RiskRadar Retirement calculator:

https://retirement.theriskradar.com - a modern, mobile-first Monte Carlo retirement simulator built for people who want rigorous, realistic planning for flexible retirements, long or short.

Why this matters: Most retirement tools give a single, brittle number based on a handful of static assumptions. The RiskRadar Retirement calculator runs 10,000 simulations! It varies not just returns but also inflation, income growth rates, and longevity (individual plan end ages) for each run. Real-world choices can be modeled, such as the possibility of part-time work, changing spending phases (Go‑Go, Slow‑Go, No‑Go years), and more. The result is a richer picture of outcomes - not a single-path estimate.

What you can do right now

• Run a full retirement simulation without signing up. Try various plans by tweaking allocations, adding part‑time work, or seeing how delayed Social Security claiming age can change outcomes.
• Save your plan by creating a free account (and access your plan across devices). Saved plans are transmitted over an encrypted connection and stored securely with strict access controls so only you can access them.
• Model very long retirement horizons (50+ years), test spending changes over time, and compare percentile outcomes across 10,000 simulated paths.

There are four simple forms to complete - fill in as little or as much as you like:

• Household: basic household composition, ages, and retirement targets so that we can plan for the entire duration of your retirement.
• Accounts: add retirement, brokerage, and other accounts and set allocations so you can see how they might grow over time.
• Income: enter current and planned future income (including part‑time or phased work) so you can simulate how additional saved income and compound interest could benefit your plan.
• Expenses: model recurring and one‑time expenses and phase changes over time to see how they might affect future outcomes and balances.

After you complete the forms, you’ll land on the Dashboard with three primary charts:

• Probability of success (the percentage of simulated market paths where your portfolio doesn't run out of money)
• Future account balance chart (your 10,000 simulations split into percentiles to help you visualize likely balances by age)
• Outcomes probability chart with individualized longevity chance based on Social Security Administration data (if you choose to allow us to calculate plan end age)

A short developer story (why we built this)

We started this project along our own retirement planning journeys because existing tools didn’t match our needs. Retirement doesn't necessarily mean stopping work on a single, predetermined date. We believe it can be more gradual, and unexpected events can upend your well-laid plans. Free tools were too simplistic: they couldn't model complex scenarios such as part-time work or retiring prior to claiming Social Security, and they often relied solely on historical periods (past performance is not indicative of future results). Many paid tools used static, unvaried assumptions, had unnecessary UI complexity that didn't work well on phones, or required a fee for Monte Carlo models. We needed a way to model phased work, part‑time income, and long, uncertain horizons that conventional calculators ignore.

The RiskRadar Retirement calculator grew from that need: 10,000 Monte Carlo simulations that vary returns, inflation, and longevity, use realistic end dates, and support flexible income and spending phases so you can test early or part‑time retirement scenarios with confidence and see percentile‑based outcomes rather than a single number. Our goal is to give you practical, testable plans and the ability to explore real‑world "what if" choices.

Key features

• Blazing‑fast Monte Carlo engine with 10,000 randomized simulations per run - not just replaying overlapping historical periods but projecting randomized scenarios for a wider range of possible outcomes.
• Actuarial life-table sampling to vary plan durations per person per simulation (rather than assuming a single end age), and accounting for scenarios where one spouse outlives the other.
• Federal income tax brackets modeled (including standard deduction and inflation adjustments). State tax support is on the roadmap.
• Inflation & market scenarios: returns and inflation are varied each simulation year (including rare, extreme outcomes) rather than using single fixed values.
• Mobile-first: works well on mobile phones and desktop computers.

Important release notes

• This is the production site. If you used the earlier development preview and created an account there, please note that we do not migrate development accounts to production - you will need to recreate any saved plans on the production site.
• The site currently targets users in the United States. International support may be added in the future.

Privacy and data security

If you choose to save your plan, your data is transmitted over an encrypted connection and stored with strict access controls. Saved plans are only accessible to you, the account holder, and are protected by industry-leading OIDC + OAuth2 authentication. Your information is not publicly accessible, and we follow industry best practices for encrypting data in transit, at rest, and restricting access to our backend systems.

Head to https://retirement.theriskradar.com and try the calculator - no sign‑up required to run simulations. If you want access across devices, create an account and save a plan.

Thanks for trying The RiskRadar Retirement calculator at https://retirement.theriskradar.com