Plan your retirement with confidence
Is It Time Yet? helps you answer the biggest question: Can I actually afford to retire? Model your income, spending, taxes, and market scenarios—all on your terms.
What this is (and isn't)
A powerful planning tool—not a financial advisor
What we are
- A retirement modeling sandbox you control
- Transparent calculations—no "black box"
- Privacy-first: manual entry only, no account linking
- Professional-grade tools for individuals and advisors
- A way to stress-test your plan before you retire
What we aren't
- Not a registered investment advisor
- No account linking or data scraping—ever
- No product sales or referral commissions
- Not financial advice or a guarantee of results
- Not a substitute for professional guidance
How it works
Four simple steps from uncertainty to clarity
Set Up Your Profile
Enter your retirement accounts, income sources, and basic information. No account linking required—you enter estimates and balances manually.
Accounts We Support
- 401(k), 403(b), 457(b)
- Traditional & Roth IRAs
- SEP & SIMPLE IRAs
- Brokerage accounts
- HSAs
Income Sources
- Social Security benefits
- Pensions
- Annuities
- Rental income
- Part-time work
Your retirement profile dashboard
Create "What-If" Scenarios
Build multiple retirement scenarios to explore different paths. Each scenario lets you adjust retirement age, spending, asset allocation, and more.
Spending Strategies
- Fixed Dollar: Spend a constant amount each year (adjusted for inflation)
- Percentage: Withdraw a percentage of your portfolio annually
- Retirement Smile: Higher spending early ("go-go"), moderate mid-retirement ("slow-go"), lower late ("no-go")
Example questions to explore: "What if I retire at 62 vs. 67?" "Can I spend $80K or should I target $60K?" "What happens if I delay Social Security?"
Scenario builder with customizable assumptions
Run Projections & Stress Tests
See year-by-year projections of your retirement finances. Then stress-test your plan to understand how it holds up in different market conditions.
Basic Projections
- Year-by-year balances
- Income vs. spending
- Tax estimates
- RMD calculations
Advanced Analysis
- Monte Carlo (2,000+ trials)
- Historical stress tests
- Sequence risk analysis
- Success probabilities
Monte Carlo simulation runs thousands of possible market scenarios using randomized returns based on historical patterns. Instead of a single projection, you get a probability of success.
Simulation results & probability analysis
Compare & Make Decisions
Compare scenarios side-by-side to find the path that gives you the most confidence. See exactly how different choices affect your retirement outcome.
- Side-by-side scenario comparison
- Year-by-year breakdown for each scenario
- Success probability for each path Full Access
- Shareable reports for spouse or advisor Full Access
Full Access: Generate shareable reports and compare scenarios with detailed success probabilities.
Compare scenarios & make informed decisions
Powerful tools for planning
Everything you need to understand your retirement readiness
Social Security Optimizer
Compare claiming ages (62–70) and find your break-even point. See how delaying affects lifetime benefits for you and your spouse.
Tax-Smart Withdrawals
Model federal tax brackets and understand how different withdrawal strategies affect your taxes.
Roth conversions: Full AccessHealthcare Bridge
Plan for healthcare costs between early retirement and Medicare at 65. Estimate COBRA and ACA marketplace costs.
Full AccessIRMAA Awareness
See when income spikes (like Roth conversions) might trigger Medicare premium surcharges.
Full AccessTIPS Ladder Builder
Create a ladder of Treasury Inflation-Protected Securities for guaranteed, inflation-adjusted retirement income.
Full AccessRMD Calculations
Required Minimum Distributions are calculated automatically based on IRS tables and your account balances.
Spouse Integration
Model joint retirement with separate accounts, Social Security benefits, and retirement ages for each spouse.
Who is this for?
Built for people 1–30 years from retirement
Free Plan
Try it out and see how it works
- Create a retirement profile with accounts and income
- Build your first "what-if" scenario
- See year-by-year projections and RMD calculations
- Understand the basics before committing
Full Access
$14.99/year — all features unlocked
- Unlimited scenarios to compare different retirement paths
- Monte Carlo simulation (2,000+ trials) for success probability
- Healthcare bridge, IRMAA modeling, and Roth optimizer
- TIPS ladder builder and stress testing
Our guiding principles
What we believe about retirement planning tools
Transparency
No hidden calculations. You control every assumption—return rates, inflation, spending patterns. We show you how projections are calculated, not just the result.
Explainability
If you can't explain it, you can't trust it. Our tools are designed so you (or your advisor) can walk through the logic and understand why the numbers are what they are.
Privacy First
Manual entry only. No account linking. No data scraping. No selling your information. You enter estimates—not credentials. Your financial data stays on your terms.
Ready to find out if it's time?
Start with a free account to explore your first scenario. Upgrade to Full Access for just $14.99/year to unlock Monte Carlo, stress testing, and all advanced features.
No credit card required for Free plan • Cancel anytime