Is it time yet?
Stop wondering. Start knowing. Run real projections on your retirement timeline, test your plan against market crashes, and find out exactly when you can retire with confidence.
No bank connections. No account syncing. Your data stays private.
Answer the question that keeps you up at night
Will my money last? When can I actually retire? What if the market crashes?
Am I on track?
Get instant clarity on whether your current savings and income streams will support your retirement lifestyle.
When can I retire?
Run projections to find your earliest retirement date while ensuring your portfolio lasts through age 95+.
Will it survive the worst?
Stress test your plan against real historical crashes like 2008 and the dot-com bust to see if you'd survive.
Powerful tools, simple answers
Everything you need to plan with confidence
What-If Scenarios
Create multiple retirement scenarios. Retire at 62 or 65? Spend $80K or $100K? Compare side-by-side to find your sweet spot.
Unlimited scenarios (paid plans)Monte Carlo Analysis
Run thousands of market simulations to see your probability of success. Know if you have a 95% chance—or only 60%.
Probability-based planningStress Test Lab
Replay your plan through 2008, the dot-com crash, and other market crises. See exactly how your portfolio would have held up.
Historical scenario testingSocial Security Optimizer
Find your optimal claiming age. See break-even points and lifetime benefit comparisons for you and your spouse.
Claiming strategy analysisHealthcare Bridge Calculator
Retiring before 65? Plan for healthcare costs between early retirement and Medicare with ACA marketplace estimates.
Pre-Medicare planningYear-by-Year Projections
See detailed projections showing income, withdrawals, taxes, RMDs, and portfolio balance for every year of retirement.
Detailed cash flowSimple to get started
No financial advisor required. No complicated setup.
Enter your profile
Age, retirement accounts, expected Social Security. Just the basics—no account numbers needed.
Build scenarios
Create retirement scenarios with different ages, spending levels, and assumptions.
Run projections
See if your portfolio lasts, when it might deplete, and what your success probability is.
Refine your plan
Adjust assumptions, compare scenarios, and find the retirement timeline that works for you.
Built for the critical years
Designed specifically for people 1–15 years from retirement
Privacy First
No bank connections or account syncing. You enter estimates, not passwords. Your data stays yours.
Transparent Math
No "black box" calculations. You control every assumption—inflation, returns, spending, Social Security timing.
Income Focused
We model sustainable retirement income, not just "how big is my pile." Withdrawals, RMDs, and Social Security included.
No Sales Pitch
We don't sell financial products or manage money. No hidden agenda—just clarity on your retirement readiness.
Ready to find out if it's time yet?
Join thousands of thoughtful pre-retirees who use Is It Time Yet? to plan their transition from working life to retirement with confidence.
Start Your Free AssessmentFree plan includes 1 scenario. Upgrade anytime for unlimited scenarios and advanced tools.