Observed arrival · 2026-11-12
Cash Flow River’s retirement simulator
A free retirement-planning simulator that runs a user’s accounts, income, spending, taxes, and life events through 1,000 possible market-and-inflation futures.
- For
- People testing retirement timing, spending, and account assumptions
- Worth noticing
- It explicitly excludes tax-law changes, actual tax returns, lifespan uncertainty, and markets unlike the averages entered.
Field notes
The simulator applies the same market returns to every account holding a given asset within each modeled future, and lets users choose which accounts pay retirement bills. Its tax treatment is deliberately simplified: a user-set effective rate applies differently to pre-tax, Social Security, taxable, Roth, and HSA withdrawals. Results are framed in today's dollars, but the tool leaves tax-law changes, actual tax returns, and lifespan uncertainty outside the model.
Observed signals
Read the marks
Editorial observations of this landing page, not a rating.
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