Retireator
- Android app
- Not listed
- Free plan
- Yes
- Runs on
- Web, Windows
Summary
Retireator is a free, open-source retirement simulator written in Microsoft Excel, available on the web and Windows. It is designed for short- and medium-term financial planning, letting users build and compare retirement drawdown strategies across multiple years and income sources. It projects income and savings growth, supports withdrawal planning and scenario analysis, and models Social Security benefits alongside federal and state income taxes. Listed Social Security calculations include spousal and survivor benefits, early-retirement reductions, and delayed-retirement credits. Other modeled factors include wage and consumer price inflation, stocks and bonds, market conditions, employer, self-employment and passive income, defined benefit pensions, debt, and net worth. Portfolio features cover target date funds and 401(k), 403(b), and IRA accounts. Housing tools calculate mortgage payments and amortization, reverse mortgages, and one-time expenses. The simulator also lists a range of annuity types and tax calculations, including payroll, self-employment, long-term capital gains, annuity, and Social Security taxes. Account synchronization is not included.
Who it is for
Retireator suits people planning retirement withdrawals over the short or medium term who want to model different income sources, taxes, benefits, and investment accounts. It is available to users working on the web or Windows.
What is good
- Free and open source.
- Models Social Security and federal and state income taxes.
- Supports multiple income sources and drawdown strategies.
- Includes mortgage and reverse mortgage calculations.
What to know first
- No account synchronization.
- Written in Microsoft Excel.
Verdict
Retireator brings retirement income, taxes, Social Security, and investment scenarios into one simulator. Its Excel format and lack of account synchronization are worth considering before choosing it.
Retireator plans and pricing
All plansCompared on retirement planning software
- Free plan
- Yesretireator.org
- Income projection
- Yesretireator.org
- Savings growth projection
- Yesretireator.org
- Withdrawal planning
- Yesretireator.org
- Tax modeling
- detailedretireator.org
- Social Security modeling
- Yesretireator.org
- Scenario analysis
- Yesretireator.org
- Account synchronization
- noneretireator.org
Facts
- Purpose
- Retireator is a retirement simulator focused on short- and medium-term financial planning.retireator.org · 30 Sept 2026
- Format
- The simulator is written in Microsoft Excel and is open source.retireator.org · 30 Sept 2026
- Planning scenarios
- Users can build and test retirement drawdown strategies using different retirement income sources over a period of years.retireator.org · 30 Sept 2026
- Taxes and Social Security
- The simulator includes calculations and extrapolations for Social Security benefits and federal and state income taxes.retireator.org · 30 Sept 2026
- Economy
- Listed economic features include wage and consumer price inflation, stocks and bonds, and past and future market conditions.retireator.org · 30 Sept 2026
- Income and finances
- Listed income and finance features include employer, self-employment and passive income, defined benefit pensions, debt, and net worth calculation.retireator.org · 30 Sept 2026
- Portfolio
- Listed portfolio features include investment strategies such as target date funds and accounts including 401(k), 403(b), and IRAs.retireator.org · 30 Sept 2026
- Annuities
- The simulator lists life, period-certain, immediate, deferred, fixed, variable, indexed, inflation-adjusted, and joint and survivor annuities.retireator.org · 30 Sept 2026
- Social Security detail
- Listed Social Security features include spousal benefits for a current spouse, survivor benefits, early retirement reductions, and delayed retirement credits.retireator.org · 30 Sept 2026
- Housing and expenses
- Listed expense features include mortgage payment and amortization calculations, reverse mortgage calculations, and lump-sum and one-time expense scheduling.retireator.org · 30 Sept 2026
- Tax features
- Listed tax features include payroll, federal, self-employment, state, and long-term capital gains taxes, plus taxes on annuities and Social Security.retireator.org · 30 Sept 2026
- Release history
- The maker's release archive lists version 2025.1223 as released on December 23, 2025.retireator.org · 30 Sept 2026
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Sources
- retireator.org· checked 30 Sept 2026
- retireator.org/features/· checked 30 Sept 2026
- retireator.org/category/uncategorized/· checked 30 Sept 2026