You've saved for decades. Now you need to know: where does your income come from, how long does your money last, and what should you actually do?
We build your personalized retirement income plan — with real tax modeling, healthcare costs, and withdrawal strategy.
Try the Free CalculatorTaxes. Healthcare. Withdrawals. Real answers.
Lumifin doesn't stop at projections. It models the strategies that protect and grow your wealth through retirement.
Convert Traditional IRA funds to Roth at the right tax bracket. See how strategic conversions grow your ending balance by reducing future tax drag.
Adjust your stock-to-cash mix and find the sweet spot between peace of mind and maximizing growth.
Traditional first? Roth first? Proportional? Lumifin suggests the optimal withdrawal order to make your money last longer.
Every major life choice shifts your financial future. Lumifin models each one so you decide with clarity, not guesswork.
Retire at 50 instead of 55? See exactly how it impacts your ending balance — so you can decide if it's worth it.
Ending balance drops ~$340KRetiring before 65? Managing your income to stay under the ACA threshold can save thousands per year in health insurance premiums.
Ending balance increases ~$300KSelling your home and pocketing the equity can extend your retirement by years. See exactly how much it adds.
Ending balance increases ~$300KPay 12% tax now instead of 22% later. Strategic Roth conversions before RMDs kick in can add hundreds of thousands to your after-tax net worth.
Ending balance increases ~$500KBuilt from the spreadsheet that helped our founder's family go from two incomes to one with confidence.
Get Personalized AnswersSpreadsheets guess. Lumifin models the real-world complexity that actually determines whether your plan works.
Federal and state taxes, filing status, capital gains — Lumifin calculates your actual tax burden, not a flat estimate.
Pre-65 premiums, ACA vs. employer coverage, Medicare after 65 — healthcare is the biggest wildcard in early retirement. Lumifin models it year by year.
See exactly how your assets, income, taxes, and spending play out every year from now through retirement and beyond.
The calculator gives you a rough estimate. A personalized session gives you a real plan — built from your actual accounts, tax situation, healthcare needs, and the decisions you're facing.