MangoDime

FreeNo loginNo bank linking

Will your retirement paycheck cover your life?

See what you spend next to what your savings can safely produce each month — and the gap between them. A number in about a minute, then the moves that close it.

  • 5,000 simulations built from market history, 1928–2025
  • After tax, in today's dollars: what you would have to spend
  • Nothing is saved until you choose to

In today's dollars

You spend$4,000 /mo
In retirement you'll have$3,923 /mo
$77 short every monthAdding $100/mo to savings covers it by 65.

90% odds of lasting to 95 · 89% chance your $4,000/mo spending is covered

Add accounts, Social Security, and your partner/spouse — still no account needed.

Where you stand — then what to do about it.

Most tools stop at a number. MangoDime keeps going.

01

See your number

Five inputs. What you spend beside what you'll have, and the gap between them. Free, no login.

02

Sharpen it

Add your accounts, Social Security, your partner/spouse, your home. Every number you add recalculates the plan. Still free.

03

Find the moves

Which account to draw from first. When to claim Social Security. Whether Roth conversions rank higher. Ranked on your plan, with the number attached.

Your retirement healthExample plan · 2026 rules
You spend$5,000
In retirement$4,100
Verdict$900 short
Spending lasts to 9571%
Your top moveRoth conversion window: 6 gap years+$38,000

A plan that knows what to look at.

Your dashboard shows where the plan stands. Compare ranks the choices you control against your own numbers — and shows what each is worth. It never tells you what to do; it shows you what each option produces.

Free: the full plan and dashboard

Plus, coming: every move ranked by what it's worth to you, withdrawal order, Roth conversions, and a plan that watches itself

How it works, in detail →
5,000simulated retirements, each year drawn from U.S. market history back to 1928
90%the threshold your paycheck has to clear — 9 of 10 runs last to 95
$0to see your number, build your plan, and compare your claiming age
Nothinglinked, ever. What we don't model is a public list.

Worth reading first

All articles →
TaxesWill you be in a lower tax bracket in retirement?It often drops for a few years after the last paycheck. Then Social Security and required withdrawals start, and many retirees are back where they were.Social SecurityFive things to know about when to claim Social SecurityFull retirement age is probably 67, claiming at 62 cuts the benefit for life, and waiting past 70 earns nothing.PlanningYear-end retirement checklist for 2026What has to happen by December 31, what can wait until April 15, and the two health-coverage dates in December.
Open the full calculator — free

No login. No card. Nothing saved until you say so.