Whole-life retirement planning
What if work became optional at 69?
Meridary finds the earliest retirement age your whole financial life can support—and shows what moves it.
Start with my numbers- Modeled to IRS Pub 590-B
- Social Security rules
- Published federal brackets
- Checked every release
- 30-day money-back guarantee
Roth conversions, Social Security, and RMDs change each other, and when your money runs out
Meridary runs those interactions in one plan so you see the year your money runs dry.
- A Roth conversion raises this year's taxable income
- which changes how much of your Social Security is taxed
- and shrinks the balance your future RMDs are forced out of
- so the year your money runs dry moves
How it works
Three steps to a year-by-year projection and a success probability.
Enter
Your household
Accounts, income, Social Security, and spending. Guided inputs, not a blank grid.
Weigh
A big move
Retire earlier, convert to Roth, claim later. Set the levers you're actually deciding.
See
The odds
A year-by-year projection and the Monte Carlo probability your money lasts.
Every number is checked against a source
Every published figure is pinned to its source and diffed on every release. The computation is guarded by a 1,728-case regression suite against an independent tax model, matching to the cent. See how we validate.
| What we check | Source of record | Status |
|---|---|---|
| Required minimum distributions | IRS Publication 590-B | checked |
| Federal income tax | Published brackets and standard deduction | checked |
| Social Security taxation | Provisional-income rules | checked |
| Medicare IRMAA thresholdsFree calculator, not the planner engine | Current Part B and D brackets | checked |
| ACA premium subsidyFree calculator, not the planner engine | Federal poverty level and 400% cliff | checked |
Why not just a spreadsheet?
A spreadsheet can model this. It also demands fluency, goes stale, and hides one wrong cell that changes the answer.
| Capability | The spreadsheet you’d build | Meridary |
|---|---|---|
| Getting started | Drawback: Needs tax and modeling fluency | Advantage: Guided inputs, no fluency required |
| Correctness | Drawback: One wrong cell, silently wrong | Advantage: Checked against a government reference |
| Uncertainty | Drawback: A single optimistic line | Advantage: 1,000 Monte Carlo paths |
| After a life change | Drawback: Rebuild the model by hand | Advantage: Change one input, re-run in a click |
How Meridary is different
Three bets that set it apart from the deep planners and the free dashboards, each one you can check for yourself.
Legible
Fewer dials. Same answer.
Boldin reviewers cite 250+ inputs. Meridary keeps the levers that change the year your money runs dry: federal tax, RMDs, Social Security, and Roth conversions.
Meridary vs Boldin →Yours
Owned once, not rented
ProjectionLab retired its one-time lifetime license in 2026 and went subscription-only. Meridary still sells a lifetime license you own once, with an optional monthly plan if you'd rather rent.
Meridary vs ProjectionLab →Trustworthy
Checked against IRS and CMS figures
Every figure is modeled to a published source and carried in exact integer cents. The free calculators let you verify a slice against a government reference before you buy.
How we validate →Free calculators, no account required
Each one checks a single figure against published government references. See how we validate. Meridary puts the same rules in a full year-by-year plan.
Coast FIRE Calculator
The portfolio you need today to let compounding carry you to retirement.
Social Security Break-Even Calculator
The age when a larger later benefit catches up with claiming earlier.
RMD Calculator
Your required minimum distribution, on the current IRS tables.
Roth Conversion Tax Calculator
What a conversion actually costs, the correct blended rate, not marginal × amount.
72(t) SEPP Calculator
Penalty-free early withdrawals under substantially-equal-periodic-payments.
IRMAA Calculator
Whether your income triggers a Medicare Part B & D surcharge, and by how much.
ACA Subsidy Calculator
Your premium tax credit and the 400%-of-poverty subsidy cliff.
One price. Yours for life.
Lifetime is the lead offer, with a 30-day money-back guarantee. Monthly is a cancel-anytime alternative.
Founding price
$149once
Founding price for the first 50 buyers. Rises to $199 after.
Instant access, with a 30-day money-back guarantee from the day you buy.
- The full year-by-year planner across your whole life
- 1,000-path Monte Carlo probability your money lasts
- Federal + flat state tax, RMDs, Social Security, and Roth conversions
- All seven free calculators
- Single-earner households: one wage, one Social Security benefit
- Up to 100 saved plans and unlimited re-runs, for life
- Every core-planner update, for the life of the service
Questions, answered
- Why a lifetime price and a monthly option?
- Lifetime is the lead offer: pay once, keep the planner. Monthly is $12, cancel anytime, same planner. The 30-day money-back guarantee applies to lifetime only.
- What if it's not for me?
- The lifetime license has a 30-day money-back guarantee, no questions asked. Monthly is cancel-anytime and does not include that refund window.
- How do I know the numbers are right?
- Every figure is modeled to its published source and carried in exact integer cents. The free calculators let you verify a piece against a government reference before you buy.
- What does it model, and what does it leave out?
- Models U.S. federal income tax plus one flat state rate at a time — including a move to another state at ages you choose, so each year is taxed on the state you live in that year — and prices your Medicare IRMAA surcharge from a two-year MAGI lookback. Before Medicare it models marketplace premium tax credits from household MAGI: gross premium comes from what you enter or, if blank, a stated national benchmark silver-plan premium; household size follows filing status (one or two); real premiums vary by age and county and are not modeled that finely; the year you turn 65 is treated as a full pre-Medicare year for this purpose. It does not model any state's actual rules: no per-state brackets, credits or exemptions, no preferential state rate on long-term gains — a state that taxes them below its ordinary rate is modelled at 0% — and no part-year or nonresident allocation, so the whole year you move is taxed on the state you move to. Excludes year-end ACA advance-credit reconciliation on your tax return, NIIT, AMT, and estate tax. Models two-earner wages: each spouse can have wages that stop at an age you choose. One Social Security benefit, and no survivor transition. Excludes a house, mortgage, or other debt. The 72(t)/SEPP penalty waiver is capped at $200,000/yr rather than verified against your actual SEPP schedule. HSA and 529 withdrawals are assumed to be for qualified expenses, so non-qualified spending from either isn't taxed or penalized here. Enabling the rule-of-55 exception waives the penalty on your entire traditional-account balance, since we don't track 401(k) dollars (eligible) separately from IRA dollars (never eligible) within it. Pre-tax contributions are deducted in full with no statutory contribution limit and no Traditional IRA deductibility phase-out for high earners with a workplace plan. Does not model the Social Security earnings test, which can reduce or withhold benefits if you claim before full retirement age while still earning above the annual threshold. Withdrawals default to cash, then taxable, then traditional, then Roth, then HSA, then 529 last. You can instead preserve Roth (Roth last) or tap traditional last.
- Do you connect to my bank accounts?
- No. You enter what you choose, and your plan is yours. Meridary doesn't link to outside accounts.
See if your money lasts.
A year-by-year projection you buy once, with a 30-day money-back guarantee.
Instant access, with a 30-day money-back guarantee from the day you buy.
This is an educational estimate, not tax or financial advice. Figures reflect the law year shown and the inputs you provide. Consult a qualified professional before acting.