Every retirement decision, projected together
ThunderHarbor is a retirement planning tool. Enter your numbers once, then change any single decision, like your Social Security age, and watch it ripple through your Roth conversion window, your tax bracket, and your Medicare costs, all at once. Premium unlocks every layer of that projection.
There's a full free plan below. No credit card, doesn't expire. Premium is optional.
One-time offer — each account can use the $3.99 trial once.
Free
$0
No credit card required
Know where you stand, and what to do first.
- My Situation: full portfolio snapshot with projected retirement readiness
- My Retirement: interactive retirement age explorer
- On Track: log actual spending and withdrawals to keep the projection grounded in reality
- Today's Actions: ranked action plan based on your numbers
Premium
Early access$47
$79.99/year · forever
$47/year locked for life. Never increases as long as you stay subscribed.
The exact strategy for every decision, year by year.
Tax Strategy
- Roth Strategy: How much to convert each year without triggering IRMAA or crossing the ACA cliff
- Tax Cliffs: See which years your income crosses a threshold and exactly what it costs
- Retirement Plan Optimizer: Whether pre-tax or Roth contributions save more tax over your lifetime
Income & Healthcare
- Social Security: Which claiming age wins for your numbers, including survivor benefit impact
- Healthcare: The exact income level where you lose the ACA subsidy and what IRMAA costs you
- SEPP Planner: Access your IRA before 59½ — all 3 IRS methods compared with your actual balance
- RMD Analyzer: How large your forced withdrawals will be and whether they push you into a higher bracket
Risk & Longevity
- Risk Analysis: The probability your plan survives to 95 across 1,000 different market sequences
- Bucket Strategy: How much cash to hold in each bucket so you never sell stocks at the wrong time
- Life & Spending: Go-Go, Slow-Go, No-Go phase modeling with long-term care cost planning
Planning & Reporting
- What-If Workshop: Test any scenario instantly — retire earlier, change spending, move states
- Projection Table: Every year to age 95: exactly where the money comes from and where it goes
- Compare Scenarios: Which decision moves the needle most — side-by-side across up to 5 strategies
- Legacy Planning: What your heirs owe on inherited accounts and whether Roth conversion changes that
- Inherited IRA: Full 10-year forced distribution schedule with year-by-year tax cost
- Full Report: Complete written plan with a shareable live link for your advisor
Questions before you sign up
Do I need a credit card for the free plan?
No. The free plan never asks for a card and does not expire.
What actually changes between Free and Premium day to day?
Free tells you where you stand and what to do first. Premium adds the year-by-year strategy behind those numbers: exact Roth conversion amounts, Social Security claiming age, healthcare and IRMAA costs by year, and more.
Does the $3.99 trial auto-renew into a subscription?
No, it is a one-time charge, not a subscription. Full billing and trial details are in our Terms of Service.
Can I get a refund?
Purchases are final. See our Terms of Service for details.
Is my financial data safe?
Yes. Your data is encrypted on our servers and only reachable through your own login. See our Privacy Policy for details.