Fermatera

Retirement planning, year by year

See where your retirement is headed.

Fermatera projects your savings, income, taxes and spending from today to the end of your plan - so you can see whether your money lasts, and exactly what would change it.

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  • Never sold
  • No advertising
  • Not used to train AI
Example plan · Alex & Sam
Chance of success 92%
Money lasts Past 95
Can spend $84k/yr
Retire at 65 40 50 60 70 80 90
Median 10th-90th percentile
Illustrative example - your numbers come from your own plan.

Every projection accounts for

  • Federal & payroll tax
  • State tax
  • Tax-aware withdrawals
  • Roth conversions
  • RMDs (SECURE 2.0)
  • Social Security
  • Pensions
  • Bonuses
  • Employer match
  • IRS contribution limits
  • Catch-up contributions
  • Mortgage payoff
  • Life events
  • Households
  • Inflation
  • Glide path
  • Market risk
  • Sequence-of-returns risk

Features

Detailed enough for the real decisions.

Retiring a year sooner, claiming Social Security later, buying a house, supporting a child for life - see what each one does to the plan, not a rule of thumb.

Year-by-year projection

Every account, contribution, withdrawal and income source simulated to the end of your plan, with tax-aware withdrawals and RMDs. Open any year to see how every number was worked out.

Odds, not just averages

Monte Carlo simulation runs thousands of possible markets to show your chance of success and the range of outcomes - and stress-tests a bad first few years.

What moves the needle

See how retiring later, spending less, saving more or claiming Social Security later changes the outcome, and apply any change with one click.

Your whole household

Everyone at home, each with separate ages, pay and accounts, per-person contribution limits, and spousal and survivor Social Security benefits.

Life events

Marriage, a home, a child, college, an inheritance, part-time work, a bonus or time out of work - each at someone's age, with what it costs once and what it changes after.

Taxes, done properly

Federal brackets and deductions, capital gains, the taxable share of Social Security and payroll tax, every year - plus Roth conversions that fill a bracket you choose.

Special needs planning

Plan a dependent's lifelong support: SSI, benefits on your record, ABLE accounts, a special needs trust, and a care fund that has to last a lifetime.

Progress check-ins

Record your actual balances from time to time and see whether you're ahead of or behind the plan you set.

A plan for every what-if

Keep plans side by side - retire at 62 in one and 67 in another, or spend a little more - saved to your account and there on any device you sign in on.

A year in detail

Every number, explained.

Open any year of the plan to see where its money came from and where it went - which accounts paid for it, how much went to tax, and how each figure was worked out.

  • Withdrawals drawn in a tax-efficient order, or one you set
  • Required minimum distributions applied automatically
  • Surpluses reinvested in your brokerage account
2051 · Age 68

Money in $87,700

Social Security
$38,400
401(k) withdrawal
$36,800
Brokerage
$12,500

Money out $87,700

Spending
$76,000
Federal tax
$7,900
State tax
$3,800
Illustrative example.

Getting started

From a blank page to a plan in minutes.

  1. Tell it about your household

    Ages, pay, accounts and balances, Social Security estimates and what you expect to spend. Sensible defaults fill in the rest.

  2. See where you're headed

    Your projection, your chance of success and the headline numbers - with what stands out in your plan, good or bad.

  3. Try what-ifs

    Copy a plan to try something different, add life events, and check in your real balances as the years go by.

Pricing

Three tiers. One careful calculation.

Every tier works out the same taxes, RMDs, Social Security, withdrawals and growth, every year in detail - so a Free plan's numbers are as careful as a Complete one's. The tiers differ in how much of your situation a plan covers, and the tools built on it.

Loading what each tier includes…

Change tiers whenever you like: nothing you've entered is ever deleted. What a tier doesn't include is left out of a plan's numbers and shows locked, and moving up brings it all back.

How Fermatera uses your Google data

Fermatera uses Google sign-in only to know who you are. It requests your Google account's name, email address and profile picture (the basic openid, email and profile scopes) to create your account and keep your plans private to you. It does not request access to Gmail, Drive, Calendar or any other Google data. Your information is never sold, never used for advertising, and never used to train AI models.

Full details are in the Privacy Policy.

Know whether your money lasts.

Sign in with your Google account and build your first plan. Your plans are saved to your account, on any device.

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Fermatera is a small, independently run project for people who want to plan their own retirement in detail. It is an educational planning tool: its projections are estimates based on the assumptions you enter, not financial, investment, tax or legal advice.