RetireMint
The retirement calculator that thinks like an engineer
RetireMint runs month-by-month cash flow simulations — not estimates. Stress-test your plan against the 2008 financial crisis, the dot-com crash, and 1970s stagflation, then discover exactly how much you can safely withdraw each month.
Multiple Scenarios, One Decision
Build and compare retirement plans for any assumption set — aggressive vs. conservative, joint vs. solo, early retirement vs. traditional. Every scenario runs a full month-by-month simulation, not a rough estimate.
Know Your Number Before You Retire
Monte Carlo simulation runs your plan through thousands of modeled futures drawn from real historical market data. You see the probability your plan survives to your maximum age, and the precise maximum sustainable monthly withdrawal.
Stress-Tested Against History
RetireMint replays your portfolio through every major market crisis using actual historical data. If your plan survived 2008, you'll see exactly how. If it didn't, you'll know before it matters.
Everything you need to retire with confidence
Monte Carlo Simulation
Thousands of stochastic paths using real historical NASDAQ, Fed Funds, and CPI data from 1926 to present.
Historical Backtesting
Replay against 2008, dot-com crash, 1970s stagflation, and 2020 COVID shock — real market periods, real results.
Month-by-Month Cash Flow
Not annual averages — precise monthly simulation tracking every account, withdrawal, and income source.
Pension Tracking with COLA
Model fixed pension income with accurate cost-of-living adjustments across any time horizon.
Mortgage Modeling
Track home value appreciation, loan amortization, and home equity as part of your complete retirement picture.
Priority Withdrawal Strategies
Control which accounts are tapped first for tax efficiency. Six strategies including proportional, rebalancing, and high-return-first.
Platform iOS native (SwiftUI + SwiftData) · Python / Flask web app Engine RetireSim — shared Swift package, month-by-month deterministic core Methods Monte Carlo · Historical Backtesting · Safe Withdrawal Rate Data NASDAQ · Federal Funds Rate · CPI (1926 – present) Analysis Survivorship probability · Max sustainable withdrawal (binary search) Strategies Priority order · Moving average · High-return first · Proportional · Rebalance
Plan your retirement with precision
Available on iPhone, iPad, and Mac. No subscriptions — just powerful simulation in your pocket.