Year-by-year projections, Roth conversion strategy, Monte Carlo stress tests, tax optimization, and real estate modeling — all in one place.
Portfolio far outlasts your plan horizon
Final Balance
$4.1M
Plan Years
38 yrs
Income Cover
42%
Portfolio trajectory
30+
year projections
1,000
Monte Carlo simulations
100+
tax optimization strategies
360°
view of your retirement
United States
More countries coming soon
Most retirees are managing 10+ interdependent financial variables at once. One wrong move — a mistimed Roth conversion, a missed SS optimization, an unplanned RMD — can cost $100,000 or more in unnecessary taxes or shortfall.
360Retirement keeps every ball in the air, in sync, all at once — so you can watch your plan work instead of worrying about what you might have missed.
Social Security
Claiming age strategy
Roth Conversions
Minimize lifetime taxes
RMDs
SECURE 2.0 at age 75
Pension
COLA vs. lump sum
1031 Exchange
Defer RE capital gains
Healthcare
Bridge to Medicare
Inheritance
Step-up basis planning
What-If
Real-time scenario testing
Purpose-built tools that work together — not a generic spreadsheet, not a one-page calculator.
See exactly how your portfolio evolves each year — income, spending, draws, and balances through your 90s.
Find the optimal conversion amount each year to minimize lifetime taxes and reduce future RMDs.
Run 1,000 market simulations to see your probability of success across all possible return sequences.
Model rentals, depreciation, sale timing — and compare Sell vs. 1031 Exchange vs. Hold for Heirs side-by-side.
Get a personalized 5-year action plan: Roth conversions, capital gains harvesting, QCDs, IRMAA avoidance, and more.
Track every account — brokerage, 401(k), Roth IRA — with balances that feed directly into your projection.
Tweak any driver — spending, return, SS benefit, retirement date — and see the impact on your plan instantly.
Plan large one-time costs (home renovations, vehicles) and see exactly how they affect your portfolio draw.
Track mortgages, HELOCs, and loans. See payoff timelines and how debt payments affect spending.
An at-a-glance rating — Excellent to Bad — synthesizing your full plan into one honest assessment.
Generate a clean, print-ready report covering your full plan — projection, Roth analysis, tax recommendations.
Three steps to retirement clarity
Add your portfolio accounts, income sources (Social Security, pensions, rental), spending target, and real estate.
Get a year-by-year view through your 90s — balances, draws, taxes, Roth conversions, and a retirement health score.
Follow a personalized annual action plan: which accounts to draw from, when to convert, how to harvest gains.
Every time you open the dashboard, a single rating synthesizes your entire projection — final balance, depletion risk, income coverage, and portfolio trajectory — into one honest assessment.
Portfolio far outlasts your horizon
Strong financial footing
Plan lasts the full timeline
Tight — worth reviewing
Action needed now
The best retirement plan isn't the one that works in a good market — it's the one that survives the bad ones. 360Retirement stress-tests your plan against the scenarios that actually keep retirees up at night.
Monte Carlo — 1,000 simulations
Model all possible sequences of market returns. Know your probability of success.
Social Security haircut scenarios
Test 83%, 75%, 50%, and 0% SS benefit — see exactly what it means for your plan.
What-If live sandbox
Drag any slider — return rate, spending, retirement date — and see impact instantly.
Sequence of returns risk
See how a crash in year 1 vs. year 15 changes your outcome dramatically.
Example stress test results
Illustrative results from an example plan — yours will differ based on your inputs.
Explore three real-world retirement scenarios — a $5M couple, a $400K solo retiree, and an early-retirement family — no account needed.
Explore example plansFree to use. No credit card. Your data stays in your own account.
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