Orchestrate your retirement
Find the earliest age you can retire.
Getting started takes less than 4 minutes. Just answer a few questions, and Hi Maestro will build your full retirement plan, including healthcare, taxes, inflation, and Social Security, and show you the earliest age your plan can support. All in plain English, with no financial jargon.
Free to start. No credit card required.
What you'll learn
Answers to the questions that matter most.
Retirement planning comes with hundreds of moving parts, and it's hard to know where to start. Hi Maestro gives you clear answers, year by year, to the ones that matter most.
When can I retire?
The earliest age your plan supports, and what it takes to get there.
How long will my nest egg last?
A detailed, year-by-year view of your plan, through your life expectancy.
What will health insurance cost?
Costs and plan options for Medicare and before Medicare, priced for your age and your state.
How much will taxes take?
Each year's federal and state income taxes, required minimum distributions (RMDs), and Medicare premium surcharges.
When should I claim Social Security?
Compare claiming ages and see how each one changes your plan.
Should I do a Roth conversion?
See the tax you'd pay now and what it does for your nest egg later.
What-if scenarios
Try a big decision before you make it.
Pick a scenario, enter a few details, and see exactly how it changes your plan.
- Buy a home
- Downsize or upsize your home
- Social Security claiming age
- Roth conversions
- Long-term care insurance
- Sell a rental property
- Sell your home and rent
- Sell a business
Create, save, & compare plans
Explore different assumptions without limits
Create as many different plans as you'd like, and then compare any two side by side.
How we compare
More than a calculator. A fraction of what an advisor costs.
| Online calculator | Financial advisor | Hi Maestro | |
|---|---|---|---|
| A full plan, year by year | No | Yes | Yes |
| Taxes and healthcare included | Rarely | Yes | Yes |
| Try what-ifs yourself, anytime | No | Rarely | Yes |
| Personal advice from a professional | No | Yes | No |
| Sales pressure | Often | Often | Never |
| Cost | Free | Typically $1,000 to $5,000+ a year | Free to start, $58 a year |
From our Maestros
Hi Maestro is genuinely in a league of its own! It makes deep financial forecasting engaging and provides the most realistic modeling I've ever seen. It easily handled investment properties, brokerage accounts, and accounting for future healthcare needs. We finally have clarity and confidence in our roadmap.
Carny C.45 years oldI can't stop telling everyone about Hi Maestro. I went from having no idea if I was doing the right thing with my savings to really getting a grasp of my future. It's an amazing tool. If you're like I was and felt lost in the world of retirement, definitely try it out!
Brian B.50 years oldI've checked out a few different retirement planning applications, and none convinced me to give up my spreadsheets until Hi Maestro. It's easy to use, incredibly powerful, and regularly gets new updates. It accounts for multiple spending & tax elements other tools do not. Highly recommend!
Josh B.44 years old
Under the hood
Most tools take shortcuts. Hi Maestro doesn't.
Behind every answer is a full simulation of your plan, one year at a time, through your life expectancy.
Built around the three phases of retirement.
- BuildingYou're growing your nest egg.
- BridgeYou've retired, but Social Security hasn't started yet.
- RetirementSocial Security has started, through your life expectancy.
Spending flexibility. Enter one number for your spending, or break it out by category, including housing, food, travel, healthcare, big purchases, and more. Each category can change as your life does, like spending more on travel early in retirement and less later.
Withdrawals planned around taxes. Required withdrawals come first. After that, your plan draws from savings, then investments, then your Roth accounts, then your pre-tax accounts. It also smartly spreads withdrawals from your pre-tax accounts across your retirement to help lower your taxes.
Encrypted and never sold. Your information stays yours.
No sales calls. No pressure. Your plan is never held behind a sales pitch. If you ever want to talk to an advisor, that's your choice.
Meet Mae
Your guide.
Mae is the friendly voice inside Hi Maestro, who explains your plan in plain English, with no jargon.
Read Mae's full story
Marc, founder
Built by someone with the same question.
I searched for years for an easy way to answer, "When can I retire?" Free online calculators were severely limited and came with a stream of sales pitches. Advisors were incredibly expensive. So I built the tool I wanted: real math, easy to use, in plain English, at an accessible price, with no obnoxious sales pitches.
MBA in Finance. 20+ years building software products.
Read Marc's full storyPricing
Free to start. $58 a year for everything.
Build your plan and see your verdicts for free. Become a Maestro to unlock what-if scenarios, saved and compared plans, ideas to improve your plan, and the full year-by-year table.
Find out when you can retire.
Answer a few questions in under 4 minutes.
Start for freeNo credit card required.