Retirement Planning—Your Personalized DIY Toolkit

Take charge of your retirement with our interactive, privacy-first planning tools. No advisor, no sales calls, just smart analysis—100% on your terms.
Run retirement scenarios, calculate savings needs, compare 401k and self-employed plans, and discover how long your nest egg will last.

Retirement Calculators

Scenario Analysis

Privacy-First

Education & Insights

401k & Self-Employed Plans

Try Retirement Planner Free

How DIY Retirement Planning Works—Answer Real Questions Instantly

Our interactive tools are built to answer your top retirement questions and scenarios—so you can plan with confidence, privacy, and clarity. No advisor needed, no sales pitch—just your plan, your numbers, your way.

Can I retire early with my current savings?Run “Early Retirement” scenario, adjust your numbers, and see your timeline instantly.

What annual savings are needed to meet my retirement goal?Try our Retirement Savings Calculator—set your target age and goal amount for a custom plan.

How much can I safely withdraw each year?Model the “Sustainable Withdrawal Rate” for your balance and risk comfort.

Will my money last my entire retirement?Explore “Longevity” scenarios and test different investment assumptions.

How can I make up for starting retirement savings late?Get catch-up strategies and “What If” savings plans tailored for late starters.

How do I achieve a $5M retirement nest egg?Calculate the path to your goal—see exact annual savings, investment growth, and more.

How It Works

Choose a question or scenario above, or search for your own.
Input your info—age, savings, goals, and run the numbers instantly.

See clear answers, explore what-if scenarios, and get personalized, AI-powered recommendations—instantly.

Ready to explore your retirement? Try the Retirement Planner now—no advisor, no sales pitch.

Explore Retirement Planning Scenarios

Click any scenario to get started—explore interactive calculators and personalized results for your unique journey.

Early Retirement

Retirement Savings

Will My Savings Last?

Sustainable Withdrawal

Income Generation in Retirement

Compare Retirement Planning Tools

See how DIY My Finances stacks up against Boldin, Empower, and robo-advisors.

Features	DIY My Finances	Boldin	Empower	Robo-Advisors
Privacy-First (No Account Link Required)	✔️	❌ (Account Link Required)	❌	❌
Interactive Scenario Analysis	✔️ (All Use Cases)	✔️	Partial	Partial
AI-Powered Insights	✔️	✔️ (Limited)	❌	Partial
Custom Retirement Scenarios	✔️ (Any Question)	✔️ (Preset)	Limited	Preset
Fee-Free / No Upsell	✔️	✔️ (Mostly)	❌ (Advisory Sales)	❌
Self-Directed, DIY Focus	✔️	✔️	Partial	❌ (Automated Only)
Personalized, Searchable Q&A	✔️ (Any Question)	Limited	❌	❌

DIY My Finances delivers a privacy-first, scenario-driven, and AI-enhanced approach to retirement planning—so you can plan your future your way, with no sales pitch or required account linking.