See if you're on track
for retirement
In plain language. In minutes. No strings attached.
Most retirement calculators are built to sell you something — a fund, an advisor, a subscription. Reckon Wealth is built to give you an honest answer. No account required. No bank connections. Just your numbers, your future.
The Results Screen
Here's what you'll see
After entering your household details, Reckon Wealth runs 500 simulations to show you a realistic range of outcomes — not just a single optimistic number.
Numbers above are illustrative. Your results will reflect your actual household, savings, and expenses.
The Difference
Built different, by design
Every other retirement tool is optimized to capture leads, upsell subscriptions, or funnel you toward an advisor. Reckon Wealth is optimized for one thing: giving you an honest answer.
Free, forever
No subscription. No free trial. No credit card required. Every simulation, every chart, every result — always free.
No login required
Your data lives in your browser, not on our servers. Come back anytime — everything you entered is still there.
No advisor funnel
We don't push you toward an advisor or harvest your contact info to sell to one. No referral fees, no lead generation, no sales calls.
No bank connections
No Plaid. No account linking. No access to your actual accounts. You type in your own numbers, full stop.
No jargon
Results in plain English. No "accumulation phase," no "distribution rate." Just: here's your picture, here's what it means.
Privacy-first
On the free tier, your data stays in your browser. No account, nothing on our servers, nothing we can see.
The Process
Three steps to a real answer
Tell us about your household
Add family members, enter your current savings, monthly expenses, and income — including when you expect Social Security to kick in.
Choose your scenario
Pick conservative, base, or optimistic market assumptions. Adjust your target retirement age. See results update instantly.
See your honest picture
Get a clear probability, a range of 500 simulated outcomes, and a year-by-year breakdown — all in language that doesn't require a finance degree.
The Comparison
How we stack up
Most free tools are only free until they aren't. Here's how Reckon Wealth compares to the category.
Free. No login. 5 minutes.
Ready to see your real number?
No email. No account. No sales pitch. Just your retirement picture.
Start your free projection →