Find out in 3 minutes how prepared you are for retirement.
Including how life events, ongoing expenses, and tax strategies impact your future.12
Input Your Retirement Details (age, savings, life events)
Easily import current net worth through statement upload, copy/paste, or securely connecting to over 12,000 financial institutions with bank-level security.
Include Monthly Contributions and Ongoing Expenses (medical costs, housing, etc.)
What if you retire earlier or save a little bit less? Play with the numbers to find your ideal plan based on the rate of success
Set Your Monthly Contributions and Budget
What if you retire earlier or save a little bit less? Play with the numbers to find your ideal plan based on the rate of success
Visualize Your Financial Future
See your Retirement Readiness and plan adjustments (e.g. Roth conversions, inflation, advisor fees).
As you adjust contributions, budgets, and risk levels, the tool automatically recalculates your probability of success and updates the model. The plan is saved as part of your PortfolioPilot profile, ensuring that your scenario models remain up-to-date as your financial situation changes.
Retirement Planning That Adapts to Your Life
Your life is complex — and your retirement plan should handle it. PortfolioPilot models many details, from life events to ongoing expenses, and stress-tests it with 1,000 Monte Carlo scenarios so you can plan with confidence.
Life Events
Marriage, inheritance, sending kids to college, or buying a second home — see how major milestone shape your retirement outlook.
Ongoing Expenses
Healthcare, housing, insurance, and even ongoing medical costs are all factored in, so your plan reflects the real world, not just a spreadsheet.
Smarter Assumptions
Adjust Roth conversions, inflation rates, advisor fees, and more — with every scenario tested against state and federal tax rules.
Income & Assets
Bring everything into the picture: Social Security, pensions, annuities, real estate sales, and rental income. Add it all.
How Would a Crisis Affect Your Planning?
The Downturn Simulator can show you how your financial plan would have been impacted by a market event like the Global Financial Crisis (2008-2010) or the Covid-19 Pandemic (2020).
Minimize Taxes with Drawdown Strategies
PortfolioPilot allows you to balance your withdrawals between taxed and tax-free accounts to minimize taxes, helping to preserve your wealth longer.
Minimize Taxes with Drawdown Strategies
PortfolioPilot allows you to balance your withdrawals between taxed and tax-free accounts to minimize taxes, helping to preserve your wealth longer.
Why is our retirement planner tool completely free?
Sounds too good to be true? Practically, PortfolioPilot makes money from our personal AI financial advisor. You can use our fully-featured retirement planner for free, with no credit card required, and we hope that at some point you’ll try our premium tiers and take advantage of our personalized financial advice as well. It’s a business model that works for us and allows us to offer high-quality tools for free to tens of thousands of users.
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Explore More of PortfolioPilot’s Features
One platform, so much to offer – explore everything we offer to make your financial journey simpler and more effective:
Retirement Planner Help Center
Featured Tutorial: Retirement Planning
A Step-by-Step Guide to Optimizing Your Retirement Planning with PortfolioPilot's Powerful Financial Simulation Features
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