Retire with confidence.
Built for serious DIY planners and global households. ActuaPlan stress-tests your plan across markets, household lifetimes, healthcare, and currencies, so you see where it holds up and where it bends.
How ActuaPlan works
Strengthen your financial story against uncertainty.
The actuarial toolkit insurers rely on, applied to your retirement: stochastic projection, scenario analysis, constrained optimization.
What we model
The retirement risks most calculators miss.
Built for serious DIY planners and global households: uncertain markets, household lifetimes, healthcare and long-term care, multiple currencies, and cross-border decisions.
Real-world uncertainty
Markets, inflation, and rates stress-tested across thousands of possible futures.
- Monte Carlo across thousands of scenarios
- Bootstrap historical returns
- Custom return distributions: Normal, Student-t
- Sequence-of-return risk and inflation shocks
Household-first planning
Two lives, multiple incomes, and survivor outcomes, not one person and one number.
- Joint-life modeling with different ages and retirement dates
- Multiple income streams (3 free, 20 Pro)
- Per-member income, accounts, and spending
- Multi-phase spending: go-go, slow-go, no-go
Longevity & care risk
Longevity as a distribution, not a fixed age, plus healthcare and long-term care.
- Actuarial longevity tables
- Joint-life longevity
- Healthcare cost modeling
- State-based LTC: home, assisted living, nursing care
Global & cross-border money
Assets in one currency, spending in another, across countries and tax systems.
- Multi-currency assets and spending
- Stochastic FX risk
- Country tax and public pensions for 6 jurisdictionsBeta
- U.S. person abroad overlay: FEIE, FTCBeta
Some capabilities require a Pro plan. See pricing.
Built by an actuary
The same methods insurers use, applied to your household.
Roen is a Fellow of the Society of Actuaries (FSA) and a Chartered Enterprise Risk Actuary (CERA). His professional work in life insurance — Solvency II, capital management, and asset–liability modeling — uses the same financial and stochastic tools that protect insurers from running out of money over decades. This site brings those tools to the household version of the same problem.
Probability-based planning, not single-number forecasts.
ActuaPlan models retirement outcomes across thousands of possible paths, so you see ranges, trade-offs, and downside risks instead of relying on one “average” projection.
Transparent assumptions, none hidden.
Investment returns, inflation, longevity, tax rates, healthcare costs, and FX rates are all visible in the assumption tab. You can see what the model is using and adjust it for your scenario.
A powerful tool, not financial advice.
ActuaPlan is an analytical tool for retirement planning — actuarial-grade Monte Carlo, transparent assumptions, every result reproducible. Any guidance or recommendations it produces should be treated as educational input to your decisions, not as official financial or tax advice. Use it on its own, or alongside a planner who can advise formally.
Your data is yours.
Your inputs are encrypted in transit and at rest. We don't sell or share your planning data. You can delete your account and all associated data at any time.
From the blog
Insights
Guyton-Klinger: Dynamic Withdrawal Strategy with Guardrails
Guyton–Klinger uses guardrails to raise, freeze, or cut retirement spending based on market performance. Here’s how it works, plus an interactive backtest.
The 4% Withdrawal Rule meets Longevity Risk
Lower expected returns and non-standard retirement horizons (early retirement, couples, longer lifespans) makes revisiting 4% rule necessary.
Longevity Risk in Financial and Retirement Planning
The financial risk of living too long.