From $15.00 to $35 — instant digital download
Plan retirement income, taxes, healthcare costs, Social Security, pensions, withdrawals, and expat scenarios — all from one private browser-based dashboard.
No subscription. No account. No cloud storage. Open the file, enter your numbers, and instantly see how your retirement income could play out month by month.
Many planners only show broad annual estimates. They often miss the details that can make or break a retirement plan:
This planner was built to show those moving parts in one place.
Model your income across multiple retirement phases and compare how different choices affect your cash flow, taxes, healthcare costs, and account balances.
Use it to answer questions like:
Retirement income phases
Build up to 5 retirement phases with different income and withdrawal settings.
401k, cash, equities, and Roth planning
Track balances, growth, withdrawals, Roth conversions, and taxable income effects.
Social Security and UK State Pension
Model monthly benefits, COLA, Triple Lock assumptions, and claiming-age timing.
Taxes and healthcare
Estimate US federal tax, UK tax, ACA subsidy positioning, Medicare costs, and IRMAA risk.
Expat and multi-currency planning
Use USD, GBP, CAD, AUD, PHP, and THB with currency conversion support.
AI advisor prompt
Copy a structured retirement plan summary into ChatGPT, Claude, Gemini, or another AI assistant for a second opinion.
Charts and projections
View account balances, retirement income, stress tests, and scenario comparisons visually.
Save, export, and import
Auto-save locally, export JSON backups, import plans into newer versions, and print to PDF.
This is not a subscription calculator or a generic spreadsheet.
It is a private, downloadable planning dashboard that runs in your browser.
You buy it once, keep the file, and use it as often as you want.Your data does not get uploaded to a server. There is no login, no monthly fee, and no financial account connection required.
It is designed for people who want more control than a basic retirement calculator — especially early retirees, expats, Roth conversion planners, and anyone trying to manage tax and healthcare timing carefully.
This is not a subscription calculator or a generic spreadsheet.
It is a private, downloadable planning dashboard that runs in your browser. You buy it once, keep the file, and use it as often as you want.
Your data does not get uploaded to a server. There is no login, no monthly fee, and no financial account connection required.
It is designed for people who want more control than a basic retirement calculator — especially early retirees, expats, Roth conversion planners, and anyone trying to manage tax and healthcare timing carefully.
Version 1 — Core Planner
Best for single filers who want the essential retirement income model: 401k, cash, equities, Social Security, UK State Pension, Medicare, ACA, tax estimates, charts, inflation, currency support, and AI prompts.
Version 2 — Roth + Couples Upgrade
Adds Married Filing Jointly, spouse Social Security, Roth IRA balances, Roth withdrawals, Roth conversions, and the Social Security Optimizer.
Version 3 — Rental Income + RMD Planning
Adds rental/passive income modelling and Required Minimum Distribution estimates.
Version 4 — Canada/Australia + Custom Phases
Adds Canada and Australia support, including CPP, OAS, Superannuation, Age Pension, and custom phase age boundaries.
Version 5 — Complete Planner
Includes everything: separate Social Security claiming age, stress testing, drawdown strategies, Monte Carlo simulation, and Plan Health confidence scoring including 4% Rule, Variable Percentage, 3 Buckets, Floor & Upside, Guardrails, and Monte Carlo — with insights & recommendations.
Use the table below to choose the version that matches your planning situation. Each version is a complete standalone file. You can start with a lower version and upgrade later by exporting and importing your plan data.
No. Open the HTML file in a modern browser and start planning.
No. Your plan data stays in your browser’s local storage unless you choose to export a backup file.
Yes. The planner works offline once loaded. Live exchange rates require internet access.
Yes. Export your plan as JSON and import it into a newer version.
You can share exported PDFs or JSON snapshots for review. The planner file itself is licensed for single-user or household use only.
No. It is an educational planning tool. Always verify assumptions and consult a qualified professional before making financial decisions.
Stop guessing how taxes, healthcare, Social Security, pensions, withdrawals, and currency changes might affect your retirement.Use a private, one-time-purchase planner designed for detailed retirement income modelling.
Instant digital download · No subscription · Runs locally in your browser
Created by WebNomadStudio (webnomad.org). This planner has been developed and refined across 5 major versions based on real user feedback from the retirement planning community. Every version incorporates a month-by-month simulation engine that models the interaction between US and UK tax systems, healthcare costs, inflation, and multi-currency scenarios — aspects that most retirement calculators ignore or oversimplify.
Disclaimer: I am not a financial advisor and none of this should be considered financial advice. This tool is for educational and personal planning purposes only. It does not constitute financial, tax, legal, or investment advice. All projections are estimates based on the values you enter and are not guaranteed.
Tax laws, ACA rules, Medicare premiums, Social Security benefit structures, and UK tax parameters change regularly. You are responsible for verifying that the figures used in your plan reflect current law. Use the Rate Research Prompt to check key parameters against an AI assistant, and always consult a qualified financial advisor, tax professional, or retirement planner before making any financial decisions.
© 2026 AI-Ready Retirement Income Planner. This file is licensed for single-user personal use only, purchased via Etsy. Your purchase grants one individual (or one household) the right to use this software for personal retirement planning on their own devices. Redistribution, resale, sublicensing, or sharing of this file with any third party is strictly prohibited. All rights reserved.
Etsy: WebNomadStudio • webnomad.org • dev@webnomad.org
