Retirement isn't one decision — it's a hundred.
Markets change. Taxes change. Healthcare costs change. Sherpa Plan helps you see the full route, so you can make decisions with your eyes open.
Markets
Run thousands of market paths, not one guess.
Taxes
Model Roth conversions, RMDs, and Medicare IRMAA.
What-ifs
Compare scenarios side-by-side before you commit.
A clear route in four steps.
Enter your details
Income, savings, spending, and retirement timing.
Run simulations
Monte Carlo projections across many market outcomes.
Review results
Your probability of success, year-by-year balances, and key risks.
Improve the plan
Test changes and see what raises your odds.
What makes Sherpa Plan different.
Most calculators give you a number. We give you the reasoning behind it — so you can trust the answer.
Shows its work
Month-by-month ledger you can audit. Click any number to see exactly how it was calculated. No black boxes, no hidden assumptions.
Real tax calculations
Federal brackets, state tax, FICA, IRMAA, RMDs, Social Security taxation, and capital gains. Not a flat 25% guess — actual bracket-by-bracket math.
5,000 market scenarios
Monte Carlo simulation with historical backtesting. See how your plan survives the 1966 stagflation, the 2008 crash, and everything in between.
Built by a fiduciary firm
Sponsored by ArcVest, a registered wealth management firm. Not a lead-gen funnel — a real planning tool that advisors use with their own clients.
Professional tools, made understandable.
Monte Carlo Simulation
Understand your true probability of success.
Historical Back-Testing
See how your plan handles tough decades.
Tax-Smart Strategies
Model Roth conversions, IRMAA, and RMD timing.
Scenario Comparison
Compare plans side-by-side.
Social Security Planning
See how claiming choices affect the route.
Exports
Download clean PDF/CSV reports.
Confidence comes from knowing your options.
See the tradeoffs before you act (retire earlier vs. spend more vs. save longer)
Avoid "single-scenario" optimism — test your plan across thousands of market outcomes
Get a plan you can explain to your spouse (or your financial advisor)
Built for accuracy you can verify.
Dual-engine validation
Every projection is calculated by two independent engines and cross-checked for accuracy. If the numbers don't match, we catch it.
Drill into any number
Click any result to see month-by-month detail — income, taxes, withdrawals, and balances. No black boxes.
Backed by ArcVest
Built by a fiduciary wealth management firm. ArcVest advisors use these same projections with their own clients.
Start free. Get your score in 2 minutes.
No credit card required. Upgrade when you want deeper insights — like which specific changes improve your odds.
Free
Get your retirement score and explore your plan
- Full 10-step wizard with income, assets, spending, and tax settings
- 3 saved scenarios
- 100 Monte Carlo simulation trials
- Historical back-testing mode
- Year-by-year projections and charts
- CSV export
Premium
See what changes actually improve your plan
See exactly what changes boost your odds
- Everything in Free
- Unlimited scenarios
- 5,000 simulation trials for higher precision
- What-if recommendations — "Delay retirement 1 year → +5% success"
- Roth conversion optimizer with IRMAA awareness
- PDF reports and Excel exports
Financial advisors: Need client management and API access? Contact us about our Advisor plan.
All projections are estimates based on your inputs and assumptions. Educational use only — not financial, tax, or legal advice.
Your data is protected.
We built Sherpa Plan with security-first infrastructure and encryption.
Encryption in transit (TLS) and at rest
Secure authentication (email verification; secure cookies; session timeout)
Hosted on SOC 2 Type II compliant providers (Supabase + Vercel)
We do not sell your personal information
Common questions before you start.
Ready to see where you stand?
Get your Retirement Score and a clear next step in minutes.