Pricing

One plan. Everything included. $20/month, or $200/year.

No tiers, no add-ons, no "upgrade to unlock." Every feature — the full Monte Carlo engine, the optimizer, strategy comparison, historical backtesting, Social Security and Roth modeling, the healthcare bridge, and the AI summary — is in the one subscription.

Start free for 30 days. Then $20/month, or $200/year — two months free. Cancel anytime.

Two ways to pay

• Monthly — $20/month. Full flexibility, cancel anytime.
• Annual — $200/year. The same everything, billed once a year — two months free vs. monthly (≈$16.67/month).

Both plans include every feature, and both start with a free 30-day trial — explore everything first, with no charge until the trial ends.

What’s included

Everything RetireRange does, for one price.

The engine

• 5,000 simulations per run, up to 10,000
• Historical backtest against 1928–2025 markets

Compare and optimize

• Unlimited saved scenarios
• Head-to-head comparison on the same market sequences
• The full Optimizer — runs in the background, emails you the results

The decisions that move the needle

• Social Security timing and survivor benefits
• Roth conversions, RMDs, and multi-decade tax modeling
• The health-insurance bridge, Medicare premiums, HSA and VEBA
• Surviving-spouse and mortality modeling

Living with your plan

• Plain-English AI summaries (generous monthly allowance)
• Save your plan and update it whenever you like
• PDF, spreadsheet, and presentation exports

Why RetireRange

Consider what the decision is worth.

If you’re within reach of retirement, the choices RetireRange helps you model — when to claim Social Security, how to sequence withdrawals, whether and when to convert to Roth, when to move states — routinely swing the outcome by tens of thousands of dollars over a multi-decade retirement. Against that, $240 a year is a rounding error.

And compared to the alternatives:

• Get more from your advisor. If you work with a financial planner, RetireRange makes that time far more valuable. You walk in having already modeled the tradeoffs — claiming ages, withdrawal sequencing, Roth timing — so instead of a status update you can have a real strategy conversation: which what-ifs to push on, which strategies to weigh, which assumptions to challenge. The hours you’re paying for go further when you already know the questions worth asking.
• More than a free calculator, because it does more. Free tools give you one number. RetireRange gives you the range, the comparison, the optimizer, and the honesty about what it can’t tell you.

See the full comparison — free calculators, advisors, and other paid tools — on Why RetireRange.

The fine print, in plain language

• Start free for 30 days. Explore every feature before you pay a cent. No charge until the trial ends; cancel anytime before then and you owe nothing.
• Cancel anytime. No cancellation fees. If you cancel a paid plan, your access continues through the end of the billing period you’ve paid for — no abrupt cut-off.
• No bank connections. RetireRange never links to your financial accounts. You enter the numbers you choose to enter.
• We don’t sell your data. Your scenarios are yours. (The one exception worth naming: the optional AI summary sends an anonymized snapshot of a scenario to Anthropic’s Claude to generate the write-up — never your identity. Full detail on the privacy page.)
• Not financial advice. RetireRange is an educational planning tool. It models possibilities; it doesn’t predict the future or tell you what to do.

More questions about plans, trials, and billing? See the pricing and plans FAQ.

Pay less by referring a friend

When someone subscribes through your link, you both earn a credit worth half of their first payment — $10 each on a monthly signup, $100 each on an annual one. Credits come off your future renewals up to half a renewal at a time, so they stretch instead of vanishing into one free month. Refer five friends on the monthly plan, get about five months at half price.

Full details and program rules on the referral page.

See your retirement as a range — from $16.67/month

Or see everything it does first.