See your retirement, before you get there.

Advisor-grade projections and an assistant that does the work. Plan on your own, or alongside your advisor.

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We will email you the day it opens. Nothing else.

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Will your money last?

Four numbers, one minute, a real Monte Carlo. No signup, and nothing leaves your browser.

Quick check

Will your money last?

A one-minute Monte Carlo. No signup, no email.

Real returns ~5%/yr with 12% volatility (balanced portfolio). Educational estimate, not advice.

Meet Ricki

Other AI tools explain your retirement. Ricki builds it.

When can I retire?
I ran your plan across 1,000 markets - you can retire at 63, with a 91% chance your money lasts to 95.
What if I save $500 more a month?
That brings it up to 61 and lifts your success rate to 96%.
Do that, and shift my IRA a bit more conservative.
Done - I updated your plan and re-ran it.

Monthly savings raised to $500, IRA set to a 60/40 mix, retirement projection re-run.

Done
Would a Roth conversion help my taxes?
Yes - I added a 5-year ladder of about $40k a year that keeps you under your next IRMAA tier, and re-ran your plan.

Roth conversion ladder added (2026-2030), retirement projection re-run.

Done

Retirement planning that actually makes sense

Powerful enough for complex situations. Simple enough to use on your own.

Know exactly when you can retire

Enter your income, savings, and goals. Our Monte Carlo engine runs 1,000+ market scenarios to show you when you can retire with confidence - not guesswork.

Learn about projections

Retirement Timeline

Conservative
Age 65
Expected
Age 62
Optimistic
Age 58
Based on 1,000 simulations94% success rate

Test any what-if scenario

What if you saved an extra $500/month? Retired 2 years early? Moved somewhere cheaper? See the impact of any decision instantly - before you make it.

Explore scenarios

Scenario Comparison

Current Plan
Retire at 62
+$500/mo savings
Retire at 60
Delay Social Security
+$340/mo income

Compare scenarios side by side

All your finances in one view

Enter your accounts, property, and debts to see your complete financial picture. Track your progress over time and stay on course toward your retirement goals.

See how tracking works

Net Worth Overview

$847,200+12.4% this year
Investments$542,800
Real Estate$385,000
Mortgage (remaining)-$80,600
Why RWT

Accuracy you can trust

Advisor-grade projections, an assistant that does the work, and a number you can rely on.

A number you can trust

We validate our projection engine against an independent reference engine and require them to agree within 1%, on every release and on a sample of live runs, so the math behind your plan is continuously checked.

An AI that builds your plan

Ricki sets up your accounts, models Roth conversions, runs what-ifs, and updates your plan for you, then explains every number in plain English.

Advisor-grade tax accuracy

Year-by-year federal and state tax brackets, IRMAA surcharges, ACA subsidies, Social Security taxation, and withdrawals taxed by account type.

You and your advisor, together

Plan on your own, or bring in a financial advisor who works alongside you in the same plan.

Every decision in one place

More than 50 built-in tools, from Roth ladders and RMDs to Social Security timing, stress tests, and tax explorers.

Everything you need to plan with confidence

Take the guesswork out of retirement - on your own or alongside your advisor.

Monte Carlo projections

Run 1,000+ market scenarios to see the odds your money lasts, and the realistic range of when you can retire.

Compare any what-if

Save more, retire earlier, move states, pay off the mortgage, delay Social Security - build the scenarios and compare them side by side.

Tax-smart strategies

Roth conversion ladders, RMD planning, Social Security timing, and tax-bracket analysis, all built in.

RWT for Enterprise

Retirement planning for your entire firm

Branded client portals, SAML SSO, and centralized team management. Contact us to get your firm set up.

Coming soon

Your retirement is too important for guesswork

See when you can retire, test different scenarios, and make decisions with confidence. We're opening access soon.