EarlyRetire is a powerful plan builder that helps you accelerate and navigate early retirement. Issues overlooked by most retirement software, like early distributions, exemptions, penalties, and other restrictions, make early retirement a special challenge. By applying strategies like income tax leveling, borrowing to reduce taxes, early 72t (SEPP) withdrawals, or Reality Retirement Planning, EarlyRetire turns these unique challenges into opportunities.

EarlyRetire automatically optimizes use of your assets through all phases of life as you build your plan, using Monte Carlo Simulation in real historical markets* to measure probability of success—a vital factor in decision-making. Quickly compare options and test ideas to stretch your assets further... Will paying more income tax now save you in the long run? Could you use your home equity to avoid tax? Do you know how to use a 72t Plan? EarlyRetire comes to your rescue with options you probably never considered, and lets you explore ideas of your own.

Creatively explore future plans… college expenses, inheritance, sale of a business, a second home, even semi-retirement. EarlyRetire plans are easy to adjust and re-evaluate as situations change. You ask your own questions by setting desired goals and calculating needed actions, while EarlyRetire’s tailorable optimization works constantly in the background—always seeking the shortest distance, always providing detail and confidence.

Make sophisticated planning easy...

• Explore Reality Retirement Planning, the most exciting new concept in financial planning. By combining government research with computer modeling, RRP enables you to retire sooner with less accumulated wealth. EarlyRetire can apply this strategy to your plan with a button click, and lets you tailor its effect.



• Maximize your Social Security benefits! Yes, EarlyRetire performs the complex number crunching to solve one of the biggest problems seniors face. Complicated rules for spouses create myriads of possibilities, and taking the proper actions at the right times can make an enormous difference in the amount of benefits you receive. Whether married, divorced or widowed, EarlyRetire analyzes all your options, including file-and-suspend, restricted application, and early or deferred filing, and produces a timeline showing the month and year each partner should file for each type of benefit.



• Maximize the Affordable Care Act Subsidy! You may be surprised to learn you could qualify for reductions in healthcare premiums as an early retiree. EarlyRetire not only calculates what your premiums will be under the new law, it rearranges your retirement income to maximize the amount of subsidy you receive. Now is the time to examine how you can change your savings and withdrawal strategy to intelligently benefit from this new entitlement and minimize what is likely to be your greatest retirement expense.
  
  
• Design an investment portfolio to meet your required rate of return with maximum probability and minimum risk using EarlyRetire's portfolio calculator. You can choose between several methods of analysis, including Monte Carlo simulation using downloaded market data.*



• Make professional presentations with custom headings, graphs, and optional advisor/client information. Designed with professionals in mind, EarlyRetire manages any number of plans, maintains client information securely, and can import a client’s financial information from a text file.



• Calculate any of the essential variables you control, see which are the most sensitive, and zero in on the best combination...
  • Annual savings contributions
  • Type of savings (IRA, Roth, taxable, etc)
  • Retirement age
  • How much you can spend during retirement
  • Net worth over time
  • Income tax during retirement
  • Life expectancy
  • Whether to preserve or consume assets during retirement
  • Amount to leave behind
  • Pre- and post-retirement asset allocation
  • Inflation effect
  • Retirement living expenses
  • Other retirement income (Social Security, pensions, etc.)

EarlyRetire’s detailed plan guides you every step of the way, showing inflation-adjusted savings requirements, retirement distributions, cash flow, and projected tax liability for every year of your life. IRS tax tables and market data are automatically downloaded every year to keep your plan accurate as you go.

EarlyRetire doesn't tell you it can't be done. Its mission is to give you control over your life and let you architect your own future. Tell EarlyRetire where you want to go, and let EarlyRetire light the way.

EarlyRetire Pro™ $99.95 USD  Upgrade to Latest Version $49.95 USD

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* Historical market data is downloaded from Yahoo!® upon user request and is limited to data made freely available on Yahoo!®'s website.