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Retirement planning that shows you what actually matters: what hits your bank account each month, based on thousands of potential futures.
Most retirement calculators give you one number and call it a day. We think that's backwards.
Projected monthly income after taxes — what actually hits your bank account, not gross withdrawals.
We use Monte Carlo simulations with 1,000+ scenarios, not single average returns. See what could happen in the best and worst case years.
We're a planning tool and educational resource, not a substitute for professional financial advice.
One of our founders tried to figure out if they could retire at 55. They plugged their numbers into every calculator they could find. Each one gave a different answer. None of them showed what would actually hit their bank account each month after taxes. Some showed just a single number. Others showed ranges so wide they were useless.
That frustration became Sagery. We built what we wished existed: a tool that shows you thousands of possible futures, accounts for taxes and market volatility, and tells you what you can actually spend each month. No black boxes. No upsell surprises. Just honest math and straightforward answers.
Now we're here to help you do the same—to know your real number, make confident decisions, and plan a retirement that works for you.
These values guide every decision we make
We show every formula. Every assumption is transparent and adjustable.
No account? Your numbers never leave your browser.
Every assumption is adjustable. Change inflation, returns, tax rates. See what happens.
Free tier is genuinely useful. We only upgrade you if it actually helps.
Three principles that guide everything we build
Use the free calculators without an account and your numbers never leave your browser. We can see that a page was viewed — anonymous, no cookies, no profile — but never what you typed into it. If you sign up, you're telling us to keep your plan, so it's there tomorrow and on your other devices. We store it to run the product and fix bugs. We never sell it, share it, or ask for a bank login.
Monte Carlo simulation, sequence-of-returns risk, tax bracket modeling, and inflation adjustments. Every assumption is transparent.
Core calculators are free forever. No trial period. No bait-and-switch. We want you to know if we're helpful.
Every formula, every assumption, every calculation is visible. We show our work so you can trust the results.
We show our work. Every assumption is adjustable. Every calculation is transparent.
Our calculation engines account for:
Age, savings, income, expenses
1000+ market scenarios
Multi-state, federal brackets
What hits your bank account
We believe retirement planning shouldn't be expensive
Core calculators, unlimited projections, all account types
$0
Full scenario planning, tax optimization, 60+ advanced tools
$8/mo
Everything in Pro plus AI-powered retirement advisor
$15/mo
Most users find the Free plan sufficient for their retirement planning needs.
We're a small team of financial planners, engineers, and designers who use Sagery to plan our own retirements. Every feature exists because we needed it ourselves.
We believe financial planning should be accessible, honest, and empowering — not gatekept behind $200/hr advisors.
Every projection uses peer-reviewed methodology. Monte Carlo simulations, not guesswork. Real tax modeling, not napkin math.
Your financial data stays yours. We don't sell data to advertisers, insurers, or financial advisors. Period.
Follow our journey, share feedback, or just say hello
Start with our free retirement calculator. No credit card required.
Have questions? Reach out to us at support@sagery.co