What Is RetireRange? — Overview

In one sentence

RetireRange is a browser-based retirement planning simulator that runs thousands of possible market futures for your plan — so instead of a single guess, you see the full range of outcomes, compare strategies fairly, and optimize the decisions that matter.

In plain terms

It’s the kind of model a financial planner would build for you — but it’s yours to drive.

You enter your household, your accounts, and your assumptions. RetireRange plays your plan forward through thousands of randomized market histories and shows you how often it holds up and how the outcomes spread out. Then the real work begins: you change one thing, run it again, and watch your odds move. Everything runs in your web browser. There’s nothing to install and nothing to connect to your bank.

What it actually does

Simulates thousands of futures. 5,000 randomized market-and-inflation sequences by default — capturing the volatility and the sequence of returns that a single projection can’t.
Gives you a range and a probability, not one number — a success rate plus the full spread of outcomes from bad luck to good.
Compares strategies fairly. Save named strategies and run them against the same market futures, so the difference reflects the strategy, not luck.
Optimizes the big decisions. Hand it a choice — when to claim Social Security, how much to withdraw, when to convert to Roth, even when to move states — and it searches the whole range for the value that maxes out your success rate.
Models the decisions most tools skip — Social Security timing and survivor benefits, Roth conversions, RMDs, the health-insurance gap before Medicare, and what happens financially when one spouse outlives the other.
Explains itself in plain English. One click turns the percentiles into a readable summary of where your plan is strong, where the risks sit, and what’s worth looking at next.

For the full breakdown, see Features. For how the flow actually feels, see How it works. For how it compares to the alternatives, see Why RetireRange. For the questions it can answer, see How to answer your retirement questions.

Who it’s for

Anyone thinking seriously about retirement and wanting more than a one-line answer. It’s most powerful for people close enough to retirement that the real decisions are in view — Social Security timing, the Medicare gap, withdrawal sequencing, Roth conversions — but nothing gates it by age. A careful saver testing how much to put away, a couple a decade out weighing when to stop working, a current retiree stress-testing a plan already in motion — all of them are driving the same model.

It also gives people who work with a financial planner a way to walk in prepared: RetireRange produces a methodology document you can hand your advisor, so they can see exactly how the model works.

What it is not

Being clear about this is half the point:

Not a calculator that connects to your accounts. There are no bank or brokerage links. You enter the numbers you choose; it pulls nothing automatically.
Not a budgeting or net-worth tracker. It doesn’t watch your spending or sync your balances day to day. It’s a forward-looking planning model you update when you decide to.
Not a financial advisor, and not a replacement for one. It doesn’t tell you what to do. It’s the prep work that makes a conversation with a real advisor sharper — or helps you decide whether you need one.
Not a crystal ball. It’s a model, and a model is a set of honest judgment calls, not a prediction. That’s exactly why it shows a range and a probability instead of a confident single number — and why it’s openly documented about what it leaves out.

What you get, and how you get it

RetireRange runs in any modern web browser — nothing to download. Every feature is included in a single plan at $20/month or $200/year; there are no tiers or add-ons. Every plan starts with a 30-day free trial, and you can cancel anytime.

Your simulations run on your own device, and we don’t sell your data or connect to your accounts. (Full detail on the privacy page.)

The short version

RetireRange won’t tell you the future. What it will do is turn "am I going to be okay?" into something you can actually examine — a range of outcomes, the odds behind them, and the freedom to test every "what if" yourself. A range you understand beats a number you don’t.

Start your first simulation

Or see how it works first.