
RetireOdds: Retirement Plan
Will your money last? FIRE
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Free
About
KNOW YOUR ODDS — NOT A GUESS
Most retirement calculators give you one rosy number. RetireOdds runs your plan through 1,000 simulated market futures — booms, crashes, inflation and sequence-of-returns risk — and tells you the share of them where your money lasts. That percentage is your Chance of Successs.
WHAT YOU CAN DO
• Get a real Chance of Success, backed by a 1,000-path Monte Carlo simulation
• Track net worth, portfolio, cash flow and spending in one clean dashboard
• Import a brokerage CSV (Fidelity, Schwab, Vanguard, E*Trade) for live prices
• Scan receipts with your camera — read on-device, nothing is uploaded
• See your Years to FI and whether you can retire early
• Compare safe-withdrawal strategies: the 4% rule, Guyton-Klinger, Vanguard dynamic, CAPE and more
• Stress-test with inflation, market shocks and Social Security timing
BUILT FOR FIRE & EARLY RETIREMENT
Set your age, target retirement age, portfolio and monthly spending. RetireOdds projects every year to age 95 and shows the median path plus the full range — so financial independence stops being a guess. Perfect for anyone chasing FIRE or asking "how much do I need to retire?"
PLANNING TO RETIRE ABROAD?
Model an expat retirement with dual-currency budgets, FX shocks and foreign-tax regimes — see whether your money lasts in another country and currency.
PRIVATE BY DESIGN
• No bank linking — ever
• Passkey sign-in with Face ID / Touch ID — no passwords
• Receipts are scanned on your device; your financial data stays yours
WHO IT'S FOR
Anyone asking "can I afford to retire?", "when can I reach financial independence?",
or "will my retirement savings last?" — whether you're 25 and starting out or
55 and counting down
Enter five numbers. Get your odds. Start free.
Privacy Policy: https://www.retireodds.com/privacy
Terms of Use (EULA): https://www.retireodds.com/terms
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What's New in RetireOdds
2.8
August 4, 2026
- taxes, detailed projections of your current taxes, quarterly payments - whatif scenario explore - see how major life decisions impact your RetireOdds.
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