Free to use. Pro when you want to go deeper.
The simulator is free, with no account needed. Pro gives you a more precise answer, realistic spending and real stress tests.
Free
No account needed
Free to use
No card, no trial clock
- 1,000 simulated futures per run
- Taxes, inflation, income and one-time events
- Improve: save more, retire later, spend less
- Free account: save 2 plans and compare them
Pro Yearly
Billed once a year, cancel anytime
$29/year
That's about $2.42/month
Everything in Free, plus everything below.
Get Pro YearlyPro Lifetime
One payment, Pro for good
$79 once
About the cost of 3 years of Yearly
Everything in Pro Yearly, with no renewals.
Get Pro LifetimeSecure checkout with Stripe · 30-day money-back guarantee · Prices in USD
Getting Pro starts with a free account; you choose the plan in the app.
What Pro adds
A more precise answer
50,000 simulated futures instead of 1,000, so your success rate is far less affected by chance.
Spending like real life
Spend less as you age, or let spending adapt to markets with guardrails.
Real stress tests
Every market period since 1928, crashes, inflation bursts, and surprise expenses.
Keep 10 plans
Save and compare up to 10 plans (Free: 2).
A report to share
Download a PDF report of your plan for your partner or advisor.
Free and Pro, side by side
| Feature | Free | Pro |
|---|---|---|
| Simulation | ||
| Simulated market scenarios per run | 1,000 | 50,000 |
| Taxes, inflation and results in today's money | ||
| Market outlook presets (Cautious, Balanced, Historical) | ||
| Fat-tail returns (more extreme years, optional skew) | ||
| Black swans: market crashes, inflation bursts, emergency expenses | ||
| Spending | ||
| Fixed monthly spending, adjusted for inflation | ||
| Spending that changes with age | ||
| Dynamic strategies: guardrails, % of portfolio, floor & ceiling | ||
| Results | ||
| Success rate, projections, and risk by age | ||
| Improve Plan: save more, retire later, spend less | ||
| Historical stress test (every period since 1928) | Preview | |
| How fat tails and black swans change your success rate | ||
| Your plans (free account) | ||
| Saved plans | Up to 2 | Up to 10 |
| Duplicate and compare plans | ||
| PDF report to share with an advisor | ||
Frequently Asked Questions
- What is the difference between Yearly and Lifetime?
- Yearly is $29/year, billed once a year; cancel anytime and keep Pro until the end of the year you paid for. Lifetime is a one-time payment of $79 for Pro for as long as Retirement Lab runs, with no recurring charge.
- Can I get a refund?
- Yes. Both Yearly and Lifetime come with a 30-day money-back guarantee: email support@retirement-lab.com within 30 days of your purchase for a full refund, no questions asked.
- How do I cancel?
- In the app, open Billing and choose Manage subscription. You keep Pro until the end of the period you paid for. There are no cancellation fees, and Lifetime has nothing to cancel.
- What happens to my saved plans if I stop Pro?
- Nothing is deleted. You can still open and update every plan you saved. New saves are possible again once you have fewer than 2.
- Which currencies can I pay in?
- Prices on this page are in USD. In the app, the billing page shows prices in EUR, CHF or GBP if you use one of those currencies. Payment is by card through Stripe.
Start free, decide later
Run your plan first. Pro is there if you want to go deeper.
Try the simulator