Intelligent retirement planning software.
Self-directed retirement planning software that models your cash flow, taxes, and long-term scenarios — for individuals planning their own future.
Plan smarter. Retire confidently. From accumulation to legacy.
Self-directed software — not a financial advisor, and not investment advice.
One plan for every decision between accumulation and legacy.
The Planner unifies the analyses that usually live in ten spreadsheets — projected, stress-tested, and explained in plain language.
The whole plan at a glance — Monte Carlo confidence and the numbers that matter.
Thousands of simulated market paths — 10th, median, and 90th-percentile outcomes.
Move any assumption and watch your success probability update instantly.
Scripted downturns — 2008, stagflation, and more — tested for survival.
Lifetime federal, state, and IRMAA exposure, mapped out year by year.
Retirement cash flow
Year-by-year projections across every account, tax bucket, and life stage.
Optimize
Four Monte Carlo-gated search tools — retirement age, Social Security claim age, withdrawal order, Roth conversion ceiling — that search for the best choice instead of just grading the one you picked.
Tax & Roth conversions
Coordinate withdrawals and multi-year Roth conversions against your real tax and IRMAA picture, year by year.
Deferred compensation
Model NQDC distribution schedules against your income and tax picture.
Concentrated stock
Manage employer-stock concentration and diversification over time.
Social Security
Find the claiming age and strategy that fits the whole plan.
Healthcare & Medicare
Plan for pre-65 coverage, IRMAA, and long-term care costs — correctly, even when spouses reach Medicare eligibility in different years.
Estate planning
See how assets transfer to heirs and legacy goals over the horizon.
Allocation & rebalancing
Blended-return modeling tied to your real asset allocation.
Scenario & stress testing
Monte Carlo plus scripted downturns under a dynamic spending guardrail.
Education savings
Model 529 plans alongside retirement accounts — tax-free growth, tax-free qualified withdrawals.
CDs & fixed income
Held-to-maturity CDs and bond ladders with a real maturity date and guaranteed rate — bulk-add a whole ladder from one institution in a single action.
Most calculators trade accuracy for simplicity. This one doesn't have to.
A flat 4% rule, one blended tax rate, no real IRS tables underneath — that's how most consumer retirement calculators stay simple. The Planner keeps the real rules and still makes them feel simple.
- 01
Real law, not approximations
Actual 2026 federal tax brackets, the real IRS RMD and 72(t) divisor tables, the real ACA subsidy cliff, and the real Medicare IRMAA surcharge with its two-year income lookback — statutory detail most calculators skip because it's harder to build correctly.
- 02
Four lenses, one plan
A deterministic baseline, a stochastic Monte Carlo simulation, a real historical backtest, and twelve scripted stress scenarios — most tools give you exactly one of these. Together they answer what's likely, what's possible, what actually happened before, and what happens if the worst case hits.
- 03
Account-level, not portfolio-level
Every 401(k), Traditional IRA, Roth, HSA, taxable brokerage, and deferred-comp balance is modeled and drawn down individually, in the order your real withdrawal strategy uses — never collapsed into one blended number that hides which account funds which year.
- 04
Built for the situations calculators usually ignore
Concentrated employer stock, deferred comp elections, rental properties and reverse mortgages, long-term care, multiple goals with independent timing, non-mortgage debt payoff, the tax-status shift of losing a spouse, state-specific estate tax — real complexity most retirement math treats as out of scope.
- 05
Self-directed, not fee-gated
No assets-under-management fee, no advisor relationship required to see a result. You own the plan and the data behind it — live account sync is opt-in, never a precondition.
- 06
Shows its work
Every number in the Planner has a tooltip that reconstructs the exact formula that produced it, with that row's real figures substituted in — down to the per-item rows on the smaller entity pages, not just the headline dashboards. Not a black box you have to trust blindly.
- 07
Searches for the answer, doesn't just grade one
Four optimizers — earliest retirement age, Social Security claiming age, withdrawal order, Roth conversion ceiling — search a real range of candidates and accept only the ones that clear a Monte Carlo success-probability target. Most tools let you compare a couple of scenarios you typed in by hand; this searches the space itself.
This reflects what the Planner does today versus how consumer retirement calculators typically approach the same problems — not a feature-by-feature audit of any named competitor.
A single corporate identity, built to expand.
TriSolaris Capital℠ is the umbrella brand. The Planner ships today; a coordinated product suite follows — consistent, integrated, and secure.
Evidence over hype, at every stage of the plan.
Empower individuals to make confident, evidence-based decisions at every stage of planning for retirement.
Become one of the most trusted self-directed retirement planning software platforms.
Plan smarter. Retire confidently.
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