Fatboy Financial Planner

Free retirement projection — no account required

About You

Your Age

Retirement Age

Spouse Age (optional)

Life Expectancy ?

Filing Status

State

Import from Bank / Brokerage

Upload an OFX or QFX file to auto-fill your account balances. Assign each account to the right category, then click Apply.

↑ Choose OFX / QFX file

Your Savings

Annual Savings / Contributions (until retirement)

Traditional IRA / 401(k) balance

Roth IRA / Roth 401(k)

Taxable Brokerage

Cash / Savings

Income & Spending

Annual Spending in Retirement (today's dollars)

Pre-Medicare Healthcare Cost (annual, age < 65) ? Added on top of spending above. Drops to $0 at age 65.

Your Social Security (annual, at age 67)

SS Claiming Age ?

Spouse Social Security (annual)

Spouse SS Claiming Age

Your Pension / Annuity (annual, 0 if none)

Pension Starts at Age

Spouse Pension / Annuity (annual)

Spouse Pension Starts at Age

Assumptions

Expected Annual Return ?

Inflation Rate

Run Monte Carlo simulation (tests 500 market scenarios) ?

Portfolio Volatility (risk level) ?

Simulations

Using GBM (Geometric Brownian Motion) — 1 of 7 return models in Fatboy Pro. The full app adds Market Regime (bull/bear cycles), Enhanced Regime, Crash Scenario, Historical (recent & full), up to 10 000 paths, and per-path tax modeling.

Year-by-Year

Year	Age	Portfolio	SS Income	Expenses	Fed Tax	RMD ?

Portfolio Range

90th pct (best case) Median (p50) 10th pct (worst case)

Year	Age	P10	P25	P50	P75	P90

🔒 Roth Conversion Optimizer PRO

✓ Tax-bracket filling strategy ✓ Year-by-year conversion amounts ✓ IRMAA cliff avoidance ✓ Minimize lifetime RMDs ✓ Roth vs. keep-in-trad comparison ✓ Full per-year tax modeling

Unlock in Fatboy Pro →

This tool uses a simplified GBM model. Fatboy Pro includes 7 Monte Carlo return models (Market Regime, Crash Scenario, Historical), up to 10 000 paths, Roth conversion optimization, and full per-year tax analysis.

Download Fatboy Pro →