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Retireator
What it is
Retireator is a free, open-source retirement simulator written in Microsoft Excel, available for web and Windows. It focuses on short- and medium-term planning, letting users build and test drawdown strategies across years using different income sources. Its listed projections cover income, savings growth, withdrawals, and scenarios. The simulator models Social Security benefits, including spousal and survivor benefits, early-retirement reductions, and delayed-retirement credits, along with federal and state income taxes. Other listed factors include wage and consumer price inflation, stocks and bonds, past and future market conditions, employer and self-employment income, passive income, defined benefit pensions, debt, and net worth. Portfolio options include target date funds and 401(k), 403(b), and IRA accounts. Housing calculations cover mortgage payments and amortization, reverse mortgages, and scheduled one-time expenses. Retireator also lists multiple annuity types, from immediate and deferred to fixed, variable, indexed, and joint and survivor. Tax calculations include payroll, self-employment, long-term capital gains, annuity, and Social Security taxes. Account synchronization is not included.
For and against
For
- Open-source simulator with no listed price.
- Models Social Security benefits and multiple tax types.
- Includes varied income sources and portfolio accounts.
- Supports drawdown strategy and scenario planning.
Against
- Written in Microsoft Excel.
- Account synchronization is not included.
- Focuses on short- and medium-term planning.
The verdict
Retireator brings retirement income, taxes, Social Security, and household finances into an Excel-based simulator. Its stated focus is short- and medium-term planning, and it does not synchronize accounts.
Who it suits
Retireator suits people who want to model short- or medium-term retirement drawdown scenarios in an Excel-based simulator. Its listed features may be useful to users considering taxes, Social Security, income sources, housing, and investment accounts.
Plans and prices
Free
free software · Windows Excel workbook · Excel Online limited functionality
Read 20 Oct 2026 · retireator.org
On the record
- Annuities
- Annuity modeling covers life, period-certain, immediate, deferred, fixed, variable, indexed, inflation-adjusted, and joint-survivor arrangements.retireator.org · read 20 Oct 2026
- Annuity parameters
- Advanced annuity inputs include participation rates, rate ceilings and floors, fees, guaranteed terms, survivor benefits, and cost basis.retireator.org · read 20 Oct 2026
- Creator
- The project credits Larry Blumer, Jr. as its creator.retireator.org · read 20 Oct 2026
- Current download
- The download page identifies Retireator v2026.0909 as a 1.31 MB XLSM file and reports 12 downloads.retireator.org · read 20 Oct 2026
- Dashboard
- The dashboard displays simulation results, lets users set or solve for a retirement date, and records comparisons between successive runs.retireator.org · read 20 Oct 2026
- Developer adaptability
- The README says the Excel format is intended to remain open and adaptable for developers and non-developers.github.com · read 20 Oct 2026
- Documentation
- The documentation section provides a User’s Guide and a Simulation Parameter Reference.retireator.org · read 20 Oct 2026
- Drawdown planning
- Users can construct and test multi-year retirement drawdown strategies using multiple income sources.retireator.org · read 20 Oct 2026
- Economy
- Listed economic features include wage and consumer price inflation, stocks and bonds, and past and future market conditions.retireator.org · read 30 Sep 2026
- Economy inputs
- The simulator models wage inflation, consumer-price inflation, stocks, bonds, and historical or future market conditions.retireator.org · read 20 Oct 2026
- Excel Online
- Excel Online is supported with limited functionality.retireator.org · read 20 Oct 2026
- Expense scheduling
- Users can schedule lump-sum and other one-time expenses in the simulation.retireator.org · read 20 Oct 2026
- Format
- The simulator is written in Microsoft Excel and is open source.retireator.org · read 30 Sep 2026
- GitHub license metadata
- The repository page identifies the project as AGPL-3.0 licensed.github.com · read 20 Oct 2026
- Housing and expenses
- Listed expense features include mortgage payment and amortization calculations, reverse mortgage calculations, and lump-sum and one-time expense scheduling.retireator.org · read 30 Sep 2026
- Income and finances
- Listed income and finance features include employer, self-employment and passive income, defined benefit pensions, debt, and net worth calculation.retireator.org · read 30 Sep 2026
- Income sources
- Income modeling includes employer, self-employment, passive income, defined-benefit pensions, debt, and net-worth calculations.retireator.org · read 20 Oct 2026
- Investment strategies
- Portfolio settings include investment strategies such as target-date funds and cost-basis tracking.retireator.org · read 20 Oct 2026
