Retirement Planning · TSP Maxing

Plan where — and how well — you can retire.

Project your TSP and investments, add FERS or military pension and Social Security, and compare your income against sourced cost-of-living data for every U.S. state and 130+ countries. Run a 1,000-path Monte Carlo and generate an AI retirement report.

Your profile

Five quick steps. Everything stays in your browser (saved to localStorage).
Plan to at least 90–95 to be safe.
Or click any state or country on the map below. Optional city:
Your own, all accounts.
FERS: up to 5% of salary.
Assumed paid from the portfolio at retirement.
Future years to retirement are added automatically.
Leave blank to estimate (FERS only).
From ssa.gov/myaccount; blank = estimate from income.
Nominal, before inflation.
Sets Monte Carlo volatility.
Scales the BLS 65+ spending baseline.
Saved locally

At a glance

Updates live as you type.
Monthly surplus / gap
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Monte Carlo success
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Portfolio at retirement
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today's dollars
Readiness score
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Monthly income vs. cost at destination
4% portfolio drawPensionSocial SecurityCost of living
Current:—Destination:—

Cost of living for retirees

Hover for annual & monthly retiree costs, taxes and visa notes. Click to set your destination. ○ = popular retirement spot.
Lower costHigher costPopular with retireesGrey = no data
Click any card with a ✎ to enter your own number.
Projected portfolio
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4% rule income
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per month, today's $
Pension
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Social Security
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Cost of living
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Total monthly income
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Years money lasts
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Portfolio growth to retirement

Contributions vs. investment growth, in today's dollars (real return).

Monte Carlo — 1,000 simulations

Portfolio balance percentiles through retirement, spending the destination cost of living.

Location comparison

Your current location vs. destination vs. the 5 cheapest popular retirement spots (by retiree cost of living), using your projected income.

Assumptions

    Educational use only. This planner and any AI-generated report are for education and illustration. They are not financial, investment, tax or legal advice, and they are not affiliated with or endorsed by the Federal Retirement Thrift Investment Board, OPM, the SSA or any government agency. Projections are hypothetical, are not guaranteed and do not reflect actual investment results. Consult a qualified professional before making decisions.
    AI · Personalized

    Generate my retirement report

    A structured, professional report built from your inputs and the numbers computed above: readiness score drivers, year-by-year income, scenarios and stress test, Social Security timing, taxes, Medicare, location comparison, a TSP playbook and a 12-month action plan.

    TSP Maxing · Retirement report

    Retirement report

    Sources & methodology

    Every cost-of-living figure comes from the public datasets below (stored in cost-data.json). Country budgets and healthcare figures are estimates derived from those sources.

    Methodology

    U.S. retiree cost: annual = BLS CE average annual expenditures for households age 65+ × MERIC state composite index / 100. Monthly = annual / 12. Healthcare estimate = BLS 65+ healthcare spending × MERIC health sub-index / 100.

    Countries (estimate): Numbeo's Cost of Living Plus Rent index (New York City = 100) is rebased so the United States = 100: index_vs_US = country / United States × 100. Estimated retiree budget = BLS 65+ baseline × index_vs_US / 100. This assumes a U.S.-style consumption basket and does not include international health insurance, visa fees, travel or currency moves.

    Housing: state median home value = Zillow ZHVI (typical mid-tier home). Rent = Zillow ZORI typical rent in the state's largest metro (not the statewide median).

    Projection: balances grow at the real return (1+r)/(1+i) − 1 with monthly contributions plus employer match; contributions grow with salary growth above inflation. All amounts are in today's dollars.

    Income: 4% rule = 4% of the retirement portfolio per year. FERS estimate (if blank) = 1% × years of service × high-3 (1.1% at 62+ with 20+ years). Social Security estimate (if blank) uses the SSA 2026 PIA formula (bend points $1,286 / $7,749, wage base $184,500) on your current income, adjusted for claiming age — a rough estimate; use your SSA statement.

    Monte Carlo: 1,000 paths of normally distributed annual real returns (mean = your real return, σ by risk tolerance). Each year the portfolio pays the shortfall between the destination cost of living (× lifestyle) and pension + Social Security. Success = money lasts to life expectancy.

    State taxes show whether Social Security, pensions and 401(k)/IRA/TSP withdrawals are taxed for 2026; federal tax still applies and is not modeled in the gap.