The Complete Retirement Planning Platform

Professional-grade tools that go beyond basic calculators. Get the insights industry leaders like Fidelity and Empower don't provide.

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AI-Powered Intelligence✨ Unique

Test scenarios and explore "what-if" questions using natural language. See the exact impact on your retirement instantly.

✨ Unique

Natural Language Scenario Analysis

Ask questions in plain English and get instant financial projections. No complex forms or calculations needed.

  • "What if the market crashes 30% next year?"
  • "How would a $500k inheritance affect my plan?"
  • "Can I afford to retire 3 years early?"
  • "What if I get divorced at age 62?"
  • "Should I buy a $400k vacation home?"
✨ Unique

Instant Visual Comparisons

See side-by-side projections comparing your current plan with scenario outcomes. Make informed decisions with confidence.

  • Compare asset balances year-by-year
  • Visualize tax impact differences
  • Identify break-even points
  • Understand long-term consequences
  • Save and revisit past scenarios

Advanced Tax Optimization

Industry-leading tax strategies that can save you tens of thousands in retirement.

✨ Unique

Roth Conversion Optimizer

Compare 3 conversion strategies with optimal timing analysis to minimize lifetime taxes.

  • No Conversion baseline
  • Staggered Conversion strategy
  • Fill the Bracket optimization
  • Side-by-side tax impact
  • Optimal conversion years identified
✨ Unique

Withdrawal Order Strategy

Tax-efficient withdrawal sequencing optimized for your specific situation.

  • Pre-tax account strategy
  • Roth IRA timing
  • Taxable account coordination
  • RMD management
  • Social Security integration

Comprehensive Tax Calculations

Accurate federal and state tax estimates with progressive bracket modeling.

  • Federal tax with current brackets
  • State tax calculations
  • Capital gains tax treatment
  • Inflation-adjusted projections
  • Year-by-year tax liability

Professional-Grade Monte Carlo Simulation

Understand your retirement success probability with 1,000+ market scenario simulations.

Success Rate Probability Analysis

Run 1,000+ simulations with randomized market returns to see how often your plan succeeds.

  • Overall success rate percentage
  • Percentile outcome analysis (10th, 25th, 50th, 75th, 90th)
  • Visual outcome distribution charts
  • Statistical confidence metrics
  • Historical return-based randomization

Failure Analysis & Risk Assessment

Understand when and why your plan might fail in worst-case scenarios.

  • Median depletion year for failed scenarios
  • Earliest/latest depletion timing
  • Failure rate by decade
  • Worst-case outcome snapshots
  • Sequence of returns risk visibility

Healthcare Cost Planning

The critical planning component most retirement calculators ignore. Plan for both pre-Medicare and Medicare years with precision.

Pre-Medicare Planning (55-64)

Model healthcare costs for the critical gap years before Medicare eligibility.

  • ACA Marketplace with subsidies
  • COBRA continuation coverage
  • Spouse's employer coverage
  • Retiree health benefits
  • Premium subsidy calculations

Medicare Cost Projections (65+)

Comprehensive Medicare premium and out-of-pocket expense modeling.

  • Part B premiums ($185/month base)
  • Part D prescription drug coverage
  • IRMAA surcharge calculations
  • Medigap supplement plans
  • Medicare Advantage alternatives

IRMAA Awareness & MAGI Tracking

Understand how your income affects Medicare premiums with the 2-year lookback.

  • MAGI calculation engine
  • 2025 IRMAA bracket awareness
  • 2-year lookback modeling
  • Income cliff visualization
  • Strategic withdrawal planning

Social Security Optimization

Maximize your lifetime Social Security benefits with optimal claiming strategies.

Optimal Claiming Age Analysis

Test claiming ages from 62 to 70 to find your optimal strategy.

  • Compare ages 62, 67, 70
  • Lifetime benefit calculations
  • Break-even age analysis
  • Longevity scenario testing
  • File-and-suspend strategies

Spousal Coordination Strategies

Optimize claiming timing for married couples to maximize household benefits.

  • Coordinated claiming timing
  • Spousal benefit maximization
  • Survivor benefit planning
  • Age-gap optimization
  • Household lifetime benefit

Break-Even & Crossover Analysis

Understand when delaying benefits pays off based on life expectancy.

  • Break-even age calculations
  • Cumulative benefit charts
  • Delay credit valuation
  • Early claiming trade-offs
  • Longevity risk assessment

Comprehensive Planning & Tracking

All the essential tools you need for complete retirement planning in one place.

Year-by-Year Projections

  • Detailed annual breakdown
  • Asset balance tracking
  • Income & withdrawal modeling
  • Inflation adjustments
  • "Today's dollar" view

Multi-Account Management

  • 401k/403b tracking
  • Traditional & Roth IRAs
  • Taxable brokerage accounts
  • Bank accounts & CDs
  • Home equity modeling

Rental Property Income

  • Rental income tracking
  • Expense management
  • Mortgage amortization
  • Property appreciation
  • Tax deduction modeling
✨ Unique

Reality Check Tracking

  • Actual vs. projected comparison
  • Performance monitoring
  • Goal accountability
  • Adjustment recommendations
  • Stay on track alerts

Bank-Level Security & Privacy

Your financial data is protected with industry-leading encryption and zero-knowledge architecture.

Per-User Encryption

Every user has a unique encryption key. Your sensitive financial data is encrypted at rest with AES-256.

Zero-Knowledge Architecture

We never store your financial data in plaintext. Even our administrators cannot see your account balances or personal finances.

Complete Privacy

Your data is never sold, shared, or used for advertising. It's yours and yours alone.

How Bullseye Compares

See why Bullseye offers capabilities you won't find in other financial planning tools.

Feature Bullseye Other Financial Planners
AI-Powered Scenario Analysis
Roth Conversion Optimizer (3 strategies)
Tax-Efficient Withdrawal Order Strategy
Healthcare Cost Planning with IRMAA
Monte Carlo Simulation (1,000+ scenarios)
Social Security Optimization
Year-by-Year Tax Projections
RMD Calculations
Rental Property Income Modeling
Reality Check Tracking (Actual vs. Projected)
Cost FREE Varies (Free - $99/year)

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