Retiris
Retiris: A free web service for retirement projections and editable Monte Carlo scenarios. Ranked #18 of 26 in Retirement Planning Software by our editors (7.6/10); pricing: Free plan; best for free users wanting simple Monte Carlo scenarios.
At a glance
- Editor score7.6 / 10
- PricingFree plan
- Best forFree users wanting simple Monte Carlo scenarios
- Free planYes
- Paid fromFree
- Tax modelingNone
- Facts checked19 Sep 2026
Where it wins
- Projects year-by-year accumulation, drawdown, income and withdrawals
- Runs plans across 1,000 market paths
- Models Social Security and guaranteed income
Where it doesn't
- Excludes income tax, capital gains tax and tax-free lump-sum calculations
- No verified account synchronization
- Limited to web-based retirement planning tools
Our verdict on Retiris
Retiris is a free, web-based retirement planning service for UK and US savers who want to explore portfolio growth, retirement income and withdrawals using their own assumptions. Its calculators let users set contributions, returns, inflation and planning horizon, then review year-by-year accumulation and drawdown projections. Retiris also offers Social Security and guaranteed-income modeling, along with educational guides. The vendor says its tools are for educational and informational purposes, not personal financial, investment, tax or legal advice.
Scenario analysis is the clearest reason to consider Retiris. Users can edit assumptions and compare outcomes, including real and nominal balances, sequence-of-returns risk and withdrawal rates. Monte Carlo simulations run plans across 1,000 market paths, giving users a way to examine how changing assumptions affects possible results. That scope suits people looking for a simple, no-sign-up starting point for retirement scenarios rather than a broad financial planning suite.
Retiris is free, and the published Free plan highlights no sign-up, instant results, retirement calculators and Monte Carlo simulations. The main trade-off is the model's limited tax coverage: it excludes income tax, capital gains tax and tax-free lump-sum calculations. Account synchronization is also not part of its verified feature set. Savers who want accessible projections and scenario comparisons without paying should consider Retiris; those who need tax-aware planning or linked-account workflows should look for a different tool.
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Retiris pricing
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Retiris fact sheet
| Free plan | Yes |
|---|---|
| Paid from | Free |
| Income projection | Yes |
| Savings growth projection | Yes |
| Withdrawal planning | Yes |
| Tax modeling | None |
| Social Security modeling | Yes |
| Scenario analysis | Yes |
| Account synchronization | Not verified |
| Deployment | Cloud |
| Platforms | Web |
| Pricing | Free plan (source) |
| Website | retiris.org |
| Facts checked | 19 Sep 2026 |
Alternatives to Retiris
- BoldinA guided retirement plan with detailed projections, plus a free tier to get started.9.4
- Fidelity Planning & Guidance CenterA free planner with tax, Social Security, withdrawal and what-if analysis.9.3
- MaxiFiDeep lifetime and retirement planning across web, desktop, and mobile for an annual fee.9.2
See all Retiris alternatives →
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Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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