Estimate Social Security benefits, explore detailed retirement scenarios, and manage your personal finances with tools designed around transparency, privacy, flexibility, and control.
Independent tools built around visible assumptions, useful workflows, affordable access, and keeping you in control of your information.
Estimate retirement benefits using earnings history and future-income assumptions. Explore individual, married-household, divorced-spouse, and survivor scenarios in one private browser-based tool.
MRIE is a lightweight retirement-planning application for Windows, macOS, and Linux. It projects household income from all sources against expenses over time using the COLA, inflation, tax, and rate-of-return assumptions you choose.
Save and compare multiple deliberate scenarios instead of relying on one forecast or a Monte Carlo probability range. Every projection creates a familiar, detailed multi-sheet Excel workbook.
Clear Path Personal Finance Manager is an upcoming application for people who want capable financial management without the cost or complexity of traditional, legacy desktop personal-finance software.
The goal is a simpler, less-bloated, lower-cost application for accounts, transactions, imports, and investments, with stronger mobile support as a longer-term direction.
A useful model does not predict one future. It helps you understand how different assumptions and decisions change the result.
My Retirement Model was created by Brian Cooper and is owned by Clear Path Innovations, LLC. It is independent and is not affiliated with, endorsed by, or sponsored by the Social Security Administration, any government agency, financial institution, advisory firm, or private software provider. The tools and information provided are for educational and planning purposes only.