← BridgeToRetired
Pricing
Pro v3 Now Available
Stress-Test Your Early Retirement
Before You Quit.
Buy the complete Excel planner once, or keep your scenarios saved and stress-tested online.
Free Forever
$0
no card required
Best for exploring the tools.
Download Free PlannerAll 10 interactive retirement calculators
Bridge strategy visualizer
Roth conversion ladder builder
ACA subsidy estimator
Social Security break-even calculator
SEPP / 72(t) calculator
Early Retirement Bridge Planner v2.2 (Excel) — 7 sheets
Unlimited blog access
Pro Excel
One-Time
$39
one-time purchase
Best for offline planning without recurring billing.
Get Pro Excel Planner →Everything in Free, plus:
9-sheet Excel system (vs 7 in the free version)
TAX ESTIMATE — federal tax per bridge year, MFJ/Single switchable
ROTH LADDER — optimal conversions with ACA cliff cross-check
MONTE CARLO — 200 randomized sequences, press F9 to re-run
RISK FLAGS — 9 automated checks with color coding
REBALANCE — annual target vs actual with drift alerts
POST-59½ — full projection with SS income modeled
Use indefinitely — no subscription required
Includes current version only. Future upgrades sold separately. No automatic updates.
Online Pro
Best for ongoing planning
$15
/month
cancel anytime
Best for plans you expect to revisit, update, and stress-test over time.
Start Online Pro →Built for ongoing retirement planning:
Online Retirement PlannerNew
Save and compare up to 5 scenarios
Bridge Risk Score™Signature Feature
Sequence-of-Returns Stress Tester
Online Monte Carlo simulation
PDF retirement plan export
Access your plan from any device
Prefer Excel? Purchase Pro Excel v3 separately for $39 →
Which option is right for me?
| Feature | Free | Pro Excel $39 | Online Pro $15/mo |
|---|---|---|---|
| Interactive calculators | ✓ | ✓ | ✓ |
| Free Excel planner v2.2 | ✓ | ✓ | ✓ |
| Pro Excel v3 — 9 sheets | — | ✓ | — |
| Use purchased XLS indefinitely | — | ✓ | — |
| Online retirement planner | — | — | ✓ |
| Save up to 5 scenarios | — | — | ✓ |
| Scenario comparison | — | — | ✓ |
| Bridge Risk Score™ | — | — | ✓ |
| Stress testing | — | — | ✓ |
| PDF report export | — | — | ✓ |
| Access from any device | — | — | ✓ |
Online Pro
Online Retirement Planner
🖥️
Save up to 5 named scenarios, run Monte Carlo simulation, and access your plan from any device. Your numbers live in the cloud — come back anytime as your situation changes.
💾
Save 5 scenarios
Name and save up to 5 retirement scenarios. Switch between them instantly.
🎲
Monte Carlo
200 randomized return sequences. Success rate updates as you change inputs.
📱
Access anywhere
Your plan lives in the cloud. Open it from any device, any time.
One-Time Purchase
Pro Excel Planner — 9 Sheets
📋
The complete offline planning system. Change one number in INPUTS and all 9 sheets update instantly. No internet required, no subscription, use it forever.
INPUTS
Single entry point — ages, balances, filing status, state, SS benefit. Every sheet updates automatically.
BRIDGE
Year-by-year funding plan from retirement to 59½. Taxable → Roth → 401k cascade.
TAX ESTIMATE
Federal tax per bridge year using 2026 brackets. Switches between MFJ and Single from INPUTS.
ROTH LADDER
Optimal Roth conversions filling the 12% bracket. ACA cliff cross-check per year.
POST-59½
Full projection to life expectancy. Social Security income reduces withdrawals from your claiming age.
MONTE CARLO
200 randomized return sequences. Success rate %, median, 10th/90th percentile. Press F9 to re-run.
RISK FLAGS
9 automated checks: withdrawal rate, bridge gap, penalty risk, ACA cliff, SS delay value, IRMAA, Monte Carlo success.
REBALANCE
Annual target vs actual allocation by asset class. Drift alerts and buy/sell signals.
Get Pro Excel — $39 one-time →
No subscription · Use indefinitely
Signature Online Pro Feature
Bridge Risk Score™
🛡️
The FIRE community obsesses over the 4% rule but ignores the structural question: is your specific bridge actually safe? The Bridge Risk Score analyzes your exact situation and gives you a single number.
80–100
Stable
Your bridge is well-funded. Sequence risk is manageable.
50–79
Moderate
Some structural risk. Worth stress-testing before you pull the trigger.
0–49
Fragile
High depletion risk in a bad market sequence. Needs work.
73
/ 100
Moderate Risk
Your 7.5-year bridge is funded, but withdrawal rate of 3.8% leaves thin margin in a down-market sequence.
Based on: Age 52 · $1.1M · $55k spend · SS at 67 · 60/40 allocation
Questions
What is the difference between Pro Excel and Online Pro?
Pro Excel ($39 one-time) is a downloadable Excel file you use on your own computer — no internet required, no recurring billing, use it forever. Online Pro ($15/month) is the cloud-based planner with saved scenarios, Monte Carlo, Bridge Risk Score, stress testing, and access from any device. The monthly subscription does not include the Pro Excel download.
Does Pro Excel get future updates automatically?
No. The $39 purchase includes the current version (v3) only. Future major versions will be available as separate purchases. We will notify you by email when a new version ships.
Can I cancel Online Pro anytime?
Yes. Cancel from your account settings without calling or contacting support. Access continues through the end of your paid billing period.
What is the refund policy for Pro Excel?
Pro Excel is a digital download and is not refundable once purchased. If you have a problem with the file or your download, contact support and we will make it right.
Is this financial advice?
No — BridgeToRetired Pro is a modeling tool, not a financial advisory service. We help you run the math clearly so you can make your own decisions or bring better questions to a fee-only advisor.
What is included in Pro Excel v3?
Pro Excel v3 is the nine-sheet downloadable workbook. It adds federal tax estimates, Roth conversion planning with an ACA cross-check, post-59½ projections, Monte Carlo simulation, risk flags, and rebalancing tools.
What is included in Online Pro?
Online Pro adds the cloud-based planner, saved scenario comparison, Bridge Risk Score, online Monte Carlo simulation, sequence-risk testing, PDF reports, and access from any device. It does not include the Pro Excel download.
How is this different from ProjectionLab or Boldin?
Those tools model retirement broadly. We're built specifically for early retirees navigating the bridge years — the 59½ problem, Roth ladders, ACA subsidies, and SEPP. Narrower and deeper.
Choose How You Want to Plan
Know your score before
you retire.
Own the complete Excel workbook once, or keep your scenarios saved and stress-tested online.
Online Pro: cancel anytime · Pro Excel: secure one-time purchase with instant access