Everything you need to retire with confidence
Am I On Track To Retire models the full complexity of a couple's financial life — taxes, healthcare, real estate, dependents, and more — all running privately in your browser.
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Couples Planning
Per-person modeling
- ✓Independent retirement ages for each partner
- ✓Separate income streams, contributions, and Social Security
- ✓Per-person Social Security claiming age optimization (62–70)
- ✓Relationship status: married, domestic partners, not legally partnered
Comparative analysis
- ✓Marriage vs. domestic partner financial comparison
- ✓Side-by-side scenario modeling for each partner
- ✓Combined net worth projection with per-person breakdowns
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Tax Engine
Federal & state taxes
- ✓Full federal income tax brackets (auto-inflating)
- ✓California state tax + all 50 states
- ✓FICA / Social Security tax (with wage base cap)
- ✓Net Investment Income Tax (NIIT) at 3.8%
- ✓Long-term capital gains rates (0%, 15%, 20%)
- ✓Standard deduction + itemized deduction support
Optimization strategies
- ✓Roth conversion ladder (fill-bracket and fixed-amount modes)
- ✓Tax-loss harvesting
- ✓0% capital gains harvesting
- ✓ACA subsidy optimization (MAGI management)
- ✓Domestic partner filing advantage modeling
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Retirement Accounts
Account types
- ✓Traditional 401(k), 403(b), IRA
- ✓Roth 401(k) and Roth IRA
- ✓Backdoor Roth IRA
- ✓Mega backdoor Roth (after-tax 401k)
- ✓SEP-IRA and SIMPLE IRA
- ✓HSA (triple tax advantage)
Distribution planning
- ✓Required Minimum Distributions (RMDs) from age 73
- ✓Roth conversion ladder before RMDs
- ✓Coordinated withdrawal sequencing (taxable → tax-deferred → Roth)
- ✓Inherited IRA 10-year rule modeling
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Healthcare
Pre-65 ACA coverage
- ✓ACA Marketplace premium and subsidy modeling
- ✓MAGI-based subsidy eligibility (400% FPL cliff)
- ✓Per-person cliff for domestic partners ($63,840 each)
- ✓Cliff warnings and near-cliff alerts in projections
- ✓Domestic partner subsidy advantage vs. married filing jointly
Post-65 Medicare
- ✓Medicare Part B, Part D, and Medigap supplement
- ✓IRMAA surcharge modeling for higher-income retirees
- ✓Healthcare inflation rate (independent from general inflation)
- ✓Automatic switch from ACA to Medicare at age 65
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Monte Carlo Simulation
Full simulation engine
- ✓1,000 independent simulation runs
- ✓Log-normal return distribution with mean reversion
- ✓Separate return assumptions per asset class
- ✓Inflation-adjusted returns
Analysis & reproducibility
- ✓10th / 25th / 50th / 75th / 90th percentile outcomes
- ✓Success rate: % of simulations with money lasting the plan
- ✓Reproducible seeds for consistent re-runs
- ✓Randomize seed for fresh simulations
- ✓Fan chart visualization with confidence bands
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Investment Properties
Rental income modeling
- ✓Gross rent with vacancy rate and expense ratio
- ✓Depreciation (27.5-year straight line for residential)
- ✓Passive loss rules and carryforward
- ✓Property appreciation independent from general inflation
Sale scenarios
- ✓Planned sale year with net proceeds calculation
- ✓1031 exchange modeling
- ✓Capital gains tax on sale (depreciation recapture)
- ✓Primary residence exclusion ($500K MFJ / $250K other)
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Dependents & Education
Education planning
- ✓Private school costs by grade level (K–12)
- ✓529 plan contributions and tax-free growth
- ✓Roth IRA-to-529 rollover (SECURE 2.0)
- ✓College cost modeling with financial aid estimates
- ✓Student loan repayment modeling
Tax credits
- ✓Earned Income Tax Credit (EITC)
- ✓Child Tax Credit
- ✓Dependent care deduction
- ✓American Opportunity and Lifetime Learning credits
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Scenario Planning
What-if modeling
- ✓Barista FIRE: partial retirement with part-time income
- ✓State relocation with tax savings estimate
- ✓Sell-current-home and reinvest proceeds
- ✓Adjust monthly spending after relocation
- ✓Interactive retirement age and SS claiming age sliders
Scenario comparison
- ✓Conservative / moderate / optimistic market scenarios
- ✓Marriage vs. domestic partner comparison tab
- ✓Today's dollars vs. nominal dollars toggle
- ✓60-year planning horizon
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Privacy & Security
100% client-side
- ✓All calculations run in your browser — nothing sent to servers
- ✓Data stored in browser localStorage only
- ✓No account creation required
- ✓Export and import your data as JSON
- ✓Open source and auditable
Ready to see it in action?
No sign-up. No credit card. Your data stays in your browser.