PLAN DECADES IN SECONDS

ADVANCED MONTE CARLO MODELING

Industry-Trusted Statistical Modeling with 50 Simultaneous Simulations For All, or Unlock 10,000 Simulations & All Premium Features with a One-Time $5.00 Purchase!

SECURE & PRIVATE

On-Device Calculations - No Data Ever Leaves Your Phone

ASTRONOMICALLY POWERFUL

Up to 10^1950 mathematical scenarios in the blink of an eye. A number so big it would take 33 minutes just to write out the zeros!

NO ADVERTISING OR SUBSCRIPTIONS

Ad-Free on both Paid & Free Versions. No registration or app subscription required!

PLAN DECADES IN SECONDS

ADVANCED MONTE CARLO MODELING

Industry-Trusted Statistical Modeling with 50 Simaltaneuous Simulations For All, or Unlock 10,000 Simulations & All Premium Features with a One-Time $5.00 Purchase!

SECURE & PRIVATE

On-Device Calculations - No Data Ever Leaves Your Phone

ASTRONOMICALLY POWERFUL

Up to 10^1950 mathematical scenarios in the blink of an eye. A number so big it would take 33 minutes just to write out the zeros!

NO ADVERTISING OR SUBSCRIPTIONS

Ad-Free on both Paid & Free Versions. No registration or app subscription required!

STRESS TEST YOUR RETIREMENT PLAN FOR $5 SEE WHERE YOU MAY BE RISKING YOUR SUCCESS

Finally an app for those of everyone chasing early retirement! Thank you!
Sarah Jefferson
Love this app! Does exactly what I need without trying to sell me anything!
Tyler Richards

No subscriptions, no data harvesting, no compromise on privacy, and no guesswork.

"Financial independence shouldn't require you to choose between paying hundreds of dollars in subscriptions or surrendering your financial privacy for access to exceptional planning models. Whether you're pursuing FIRE, early retirement, or just trying to plan for your golden years, Retirement Success offers statistically-proven Monte Carlo scenarios to everyone."
Kevin Donahue
Creator, Retirement Success App
RetirementSuccess

Monte Carlo Model

Probability outcomes for early retirees based on thousands of industry-proven statistical probabilities.

Private by Design

On-device calculations mean your data never leaves your phone. Nothing is ever stored on the cloud or shared with servers.

No Subscriptions

No subscriptions, registration, advertising, nag screens, or data harvesting.

POWERFULLY SIMPLE. (AND FREE)

Industry-Proven Monte Carlo Statistical Modeling

Providing probability outcomes for early retirees based on thousands of statistical probabilities

Inflation-Adjusted projections up to age 95

User-Defined variables for inflation, recent averages, or historical trends to track rising prices

4% Rule validation with multiple withdrawal strategies

Test your nest-egg with differing withdrawal strategies or get immediate insights based on FIRE Rule of 25

Interactive Charts Showing Portfolio Trajectories

Quickly visualize the impact of Plan Changes to savings, Investments, spending, or economic conditions

Guided Interview to Create Your First Retirement Plan

Just starting to plan? Guided Interview mode helps create your first retirement plan through simple questions

FIRE (Financial Independence; Retire Early) Support

Pursuing FIRE? The Retirement Success Graph app will stress test your plan and show you how to FIRE

UPGRADE FOREVER FOR $5.00

10,000 Economic Scenario Monte Carlo Modeling

Exponentially stronger Predictive Modeling - upgrade from 50 scenarios to 10,000 Simultaneous Calculations

Test Social Security Claiming Strategies

Scenario specific claiming strategies Spousal Claims and Claiming at Different Ages

Evaluate Multiple Withdrawal Methods

Model differing Savings Withdrawal Methods including Dynamic, Bucket Strategy, Bond Ladder, and more

Recurring Income Support for Pensions & Annuities

Factor trust disbursements, fixed annuities, whole life insurance payments and more in your plan

Pre-Tax & Post-Tax Savings & RMD Testing

Differentiate IRAs & 401ks contributions from Roth IRA & Roth 401k savings. Review Required Minimum Distributions across your complete portfolio

Factor Variable Expenses for Downsizing, Travel, & More

Model lifestyle changes throughout your retirement plan including increased or decreased spending by age

Export & Save Results for Future Comparisons

Create generational reports to contrast differing scenarios or share with Your Financial Advisor

NEW FOR VERSION 2.0

INTERVIEW MODE

Just starting out? Interview Mode helps create your first retirement plan using simple questions.

WHAT-IF ANALYSIS

Easily factor the impact of small changes to your retirement plan to see instant analysis. 

ONE-TIME EVENTS

Incorporate windfalls, inheritance, and one-time gifts into your retirement plan.
(Premium Feature)

VARIABLE EXPENSE SCENARIOS

Factor the impact of increased spending on travel or healthcare, or decreased expenses through downsizing or advanced age. 
(Premium Feature)

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App Updates

Retirement Success Graph v2.5 Adds Tax-Bracket Support, Expanded Account Types, and Social Security Spouse Benefits: What These New Features Mean for Your FIRE Journey

Retirement Success Graph v2.0 adds tax-bracket modeling, IRA/401k/Roth support, RMD calculations, and Social Security spousal benefits. Professional Monte Carlo analysis for ...

Detailed image showing a close-up of neatly stacked US dollar bills, ideal for financial and economic themes.
App Updates

Retirement Success Graph v2.5 Adds Tax-Bracket Support, Expanded Account Types, and Social Security Spouse Benefits: What These New Features Mean for Your FIRE Journey

Retirement Success Graph v2.0 adds tax-bracket modeling, IRA/401k/Roth support, RMD calculations, and Social Security spousal benefits. Professional Monte Carlo analysis for FIRE planners—privacy-first, one-time ...

Follow planned updates for the Retirement Success Graph app and submit suggestions for new features.

CURRENT VERSION:  v2.5 (March 2026)

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FIRE Calculator

Is FIRE Dead? The Brutal Math Behind Early Retirement in 2026

Inflation, rising costs, and market volatility have changed the game—here's what it really takes to retire early now

FIRE Calculator

5 Reasons Why I Stopped Using Boldin and Built Retirement Success Graph

After years of evaluating retirement planning tools, I found that most required monthly subscriptions, uploaded my financial data to the ...

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FIRE Calculator

Your Retirement Calculator Is Lying to You. Here’s Why.

Static retirement calculators assume smooth, average returns — and that assumption can cost you your retirement. Here's what Monte Carlo ...

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FIRE Calculator

Go-Go, Go-Slow, No-Go: Why Your Retirement Spending Plan Is Probably Backwards

There's a pervasive assumption buried in nearly every retirement calculator: that you'll spend roughly the same amount every year of ...

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FIRE Calculator

Social Security in 2026: The Claiming Strategy That Could Add $100,000+ to Your Retirement

With major Social Security changes taking effect in 2026, including the final phase of full retirement age increases, the stakes ...

Stock market charts analyzed with a magnifying glass and calculator for financial research.
FIRE Calculator

Sequence of Returns Risk: The Silent Killer of Early Retirement Plans

You've done everything right. Saved aggressively. Invested consistently. Hit your FIRE number. Then the market drops 30% in your first ...

FIRE Calculator

The 4% Rule Creator Just Changed Everything: What Bengen’s New 4.7% Rule Means for Your Retirement

Bill Bengen, creator of the 4% rule, has updated his safe withdrawal rate to 4.7%. Learn what this 17.5% increase ...

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FIRE Calculator

4 Warning Signs Your Retirement Plan Will Fail (And What to Do About It)

Your retirement plan looks fine on paper. But will it survive reality? Most retirement calculators give you a number and ...

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Retirement

The Cocktail Party Question That’s About to Break Everyone

There’s a cocktail party question that’s been making people uncomfortable for generations: “So, what do you do?” For most of my ...

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FIRE Calculator

7 Retirement Planning Mistakes That Cost You $100,000+ (And How to Avoid Them)

The most expensive mistakes in retirement planning aren’t the ones you see coming. They’re the quiet miscalculations that compound over ...

FIRE Calculator

The Complete 2026 Retirement Planning Guide: From New Year’s Intentions to Financial Independence

Comprehensive 2026 retirement planning guide covering tax strategies, portfolio optimization, withdrawal planning, and Monte Carlo validation. Turn New Year's intentions ...

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Retirement

The 2026 Retirement Reset: Why January Is Your Most Important Financial Planning Month

Your retirement plan isn't a "set it and forget it" system. Here's why the start of 2026 is the perfect ...

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FIRE Calculator

Five New Year’s Resolutions That Will Actually Fix Your Retirement Plan in 2026

Forget generic New Year's resolutions. These 5 data-backed financial moves will transform your 2026 retirement outlook—and none require a financial ...

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FIRE Calculator

Stress-Testing Your Plan: 5 Economic Scenarios Every Retirement Calculator Should Run

A retirement plan is only as good as its ability to survive a crisis. If your retirement calculator assumes "average" market conditions, ...

A close-up of a hand with a pen analyzing data on colorful bar and line charts on paper.
FIRE Calculator

The Rise of the Retirement App: Why DIY Investors are Ditching Spreadsheets for Simulations

The biggest flaw in a traditional spreadsheet is "straight-line" logic. If you assume a constant annual return, your spreadsheet tells ...

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FIRE Calculator

Healthcare in Early Retirement: Navigating the Gap Before Medicare Kicks In

For those pursuing FIRE (Financial Independence, Retire Early), the "Medicare Gap" is often the most intimidating line item in the ...

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FIRE Calculator

Am I On Track? The Retirement Readiness Checklist You Actually Need

Testing your retirement plan shouldn't always require a financial advisor. Here's how to know if you're really prepared—and what to ...

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Retirement

Why the 4% Rule Could Ruin Your Retirement (And What Wall Street Uses Instead)

If you’re planning for retirement using the famous “4% rule,” you’re essentially flying blind into one of the biggest financial ...

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FIRE Calculator

Are You on Pace? The Retirement Savings Reality Check

Most Americans fall short of retirement savings goals. See how your balance compares by age, why the gap matters, and ...

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Retirement

HOW MONTE CARLO ANALYSIS CAN SUPERCHARGE YOUR RETIREMENT PLAN

For decades, retirement calculators have made planning look deceptively simple: enter your savings, assume a 7% annual return, and watch ...

FIRE Calculator

Early Retirement & FIRE: Validating Your Plan with Monte Carlo Simulation

If you’re age 35-60, working toward Financial Independence / Retire Early (FIRE), or simply building a solid early retirement plan, ...

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