AI Retirement planning that shows its work.
See your whole retirement, year by year, with taxes, Medicare costs and 1,000 simulated markets. Then ask “what if?” in plain English.
simulated markets behind every plan
projected one at a time, not averaged
for filling your low-tax years with Roth conversions
Free forever. No credit card needed.
Move a slider. Watch your future change.
This is a sample household. Change when Alex retires, how much you spend, or when to claim Social Security, and 1,000 simulated markets re-run right away.
- 1Drag a slider and see your confidence move.
- 2Read the range, not just one line: the shaded band is how the future could vary.
- 3Happy with the idea? Redo it with your own numbers, free.
Just ask. The engine does the math.
Type a question the way you’d ask an advisor. AI works out what you mean. Then the same engine that builds your plan re-runs every year, every tax and 1,000 simulated markets, so the answer is a real projection, not a guess.
- What if…?
Describe a change in your own words: retire early, a big expense, a market slump. See your plan before and after.
- Explain
Ask how any number or rule works, like RMDs, IRMAA or why Social Security is taxed, and get a plain answer.
- Portfolio read
A plain-English look at what you hold: how it’s spread, how it reacts to rates, and the mood of the news.
Example on a sample household. With your own plan, answers use your own numbers.
The parts most calculators leave out.
Taxes that change every year, the gap before Medicare, what happens in a bad market. All of it is in the plan, and all of it is visible.
Ask “what if?” like you’d ask a person.
No forms. Type the question and see the plan before and after, side by side.
Every year, shown.
Taxes, required distributions and asset growth, one row per year.
Fill the low-tax years.
Compare strategies by lifetime taxes.
1,000 markets, not one average.
See the likely range, and when a plan could run short.
Is it going to plan?
Track your real balances against the projection and catch drift early.
The cost most calculators ignore: health care, before and after Medicare.
Plan the years between work and Medicare, then the premiums and surcharges after.
- ACA marketplace with subsidies
- COBRA continuation
- Spouse employer coverage
- Part B and Part D premiums
- IRMAA surcharges and the 2-year income lookback
- Medigap vs. Medicare Advantage
Plan the life, not just the number.
Numbers matter because of what they let you do. Bullseye keeps the goal in view: the years you’re saving for.
Four steps. Then keep it current.
Enter your information
A guided wizard walks you through your finances, assets, income and goals.
Review projections
See taxes, required distributions, asset growth and withdrawals, year by year.
Do a reality check
Compare what actually happened with what you projected.
Explore scenarios
Test life events and market shocks before they happen.
One number can’t tell you much.
Learn the rules. Then test them on your plan.
Social SecurityWhen to Claim Social Security: 62, 67, or 70? A Data-Driven Comparison
Comprehensive analysis of Social Security claiming strategies comparing benefits at ages 62, 67, and 70, including breakeven analysis, spousal coordination, and tax implications to help you maximize lifetime income.
Healthcare2026 IRMAA Brackets: Official Medicare Part B and Part D Premiums
See the official 2026 IRMAA brackets, Part B totals, Part D surcharges, 2024 MAGI rules, cliffs, and appeal options.
PlanningYear-by-Year Retirement Projections: Why Annual Snapshots Beat Simple Estimates
A single 'you need $X million' number can't capture how taxes, RMDs, IRMAA, and Social Security change every year of retirement. Here's why year-by-year projections give you a dramatically better picture.
Thinking of retiring somewhere warmer?
Destination guides, cost comparisons and a slow-travel calculator, so you can compare life abroad with your plan.
Explore destinationsShow your clients the work.
- Compare scenarios side by side
- Share clear client reports
- Firm and team accounts
Good to know.
Can’t find it here? The full FAQ covers accounts, taxes, Social Security and more.
What is Bullseye and how does it help me plan?
Bullseye helps you visualize your financial future. You enter your income, assets and expenses, and it projects your retirement finances year by year, including taxes, required distributions and Social Security.
What information do I need to get started?
Birth year, target retirement year and income; your expected Social Security benefit; balances in your 401(k), IRA, brokerage and savings accounts; living costs; and the same details for a spouse, if you have one. You don’t need exact numbers. Update them as you refine your plan.
How do I estimate my Social Security benefit?
The most accurate way is to create an account at ssa.gov/myaccount and view your personal statement, which shows your estimated monthly benefit at different claiming ages.
Does Bullseye use AI?
Yes, in two places. Ask Bullseye turns a “what if?” question in plain English into changes to your plan, and explains how numbers and rules work. A portfolio read comments on what you hold. The AI doesn’t do the math: your projections, taxes and 1,000 simulated markets always come from the same calculation engine. AI can be wrong, so treat its answers as a starting point. It never tells you what to buy or sell. It’s free, with a daily allowance of AI questions.
What if I’m married?
Include your spouse’s details for a complete household picture. It affects tax calculations, total Social Security benefits and how long your money needs to last.
Do I have to complete the tutorial?
No. The guided walkthrough is optional but recommended the first time. You can skip it and explore on your own.
Find out where you stand.
Free forever. No credit card required.