The real US retirement simulator is yours with no card and no time limit. When you want the ten country tax engines, the AI assistant, and the PDF report, upgrade to Glidepath — one subscription, cancel in a single click.
The real US retirement simulator — the full planning engine for a US-based retirement.
No card required.
The full model: every simulation, every account type, every country, every report.
Cancel in one click.
| Feature | Free | Full plan |
|---|---|---|
| Simulation | ||
| Monte Carlo simulationRandomly built market futures, not a single average forecast | 500 paths | 10,000 paths |
| Historical backtest to 1872 | ||
| Block-bootstrap projections | ||
| Live what-if levers, instant re-simulation | ||
| Stress testsDepression, stagflation, 2008 - bad years first | ||
| Glide path and investment feesDe-risk with age; expense ratios drag returns honestly | ||
| Exchange-rate risk simulationA falling dollar against your destination currency, calibrated per currency | ||
| Taxes | ||
| US federal tax engineBrackets, capital gains, Social Security taxation, NIIT - sourced to statute | ||
| All 50 states and DC | ||
| Ten country tax enginesFrance, Spain, Italy, Portugal, Greece, Ireland, Mexico, Costa Rica, Panama, Thailand | ||
| US treaty reconciliationWho taxes what, and where credits stop double taxation | ||
| Move-year residency splitThe year you move, taxed like the year you actually live | ||
| Planning tools | ||
| Social Security claiming-age optimizerCouple and survivor benefits included | ||
| Safe-spend finderThe most you can spend at the odds you choose | ||
| Retire-earlier explorer | ||
| Roth conversions, RMDs, and tax-rate planning | ||
| Withdrawal-plan comparisonConstant, guardrails, VPW - how much, and which accounts first | ||
| Mortgage payoff, annuity, QCD, and inherited-IRA decisions | ||
| Life events, milestones, and rent-vs-buy housing | ||
| Couple and survivor modeling | ||
| Saved scenarios with side-by-side comparison | ||
| Where-to-retire country rankingsYour exact plan re-run in every country | ||
| AI assistant | ||
| Ember: chat grounded in your real numbers | ||
| Plain-language plan summaries | ||
| Life-at-your-destination profiles | ||
| Collaboration | ||
| Household sharingInvite your spouse or partner to plan together - one subscription covers the whole household | ||
| Reports and data | ||
| PDF plan reportAdvisor-grade, with methodology and sources | ||
| One-click full exportYour plan leaves with you, always | ||
| Itemized accounts with encrypted names401k, Roth, taxable, HSA, 529 - names sealed on your device | ||
| Client-encrypted identityThe key only you hold | ||
Free covers a US-based retirement end to end. You can still set any country as your residence and keep every input - the live numbers for that country unlock with the full plan.
A "lifetime" subscription is a bet that one payment can run your retirement forever. It only pays off for the seller if they cut corners, get acquired, or quietly disappear. That is exactly the kind of math Glidepath exists to catch.
A planning tool you will lean on for decades has to be funded for decades. That means real servers, real security, and real updates as tax law changes. So we charge a fair, ongoing price, and we intend to still be here when you actually retire. If we ever shut down, your full plan exports in one click: you are never locked in, and never stranded.
One avoidable withdrawal mistake can cost more than years of Glidepath. So can getting your tax residence wrong. See the real odds before you move.