Evernest was born out of our frustration with other retirement calculators that oversimplify complex financial decisions and leave people with more questions than answers.
Most retirement calculators ask you to plug in a few numbers and then spit out a single figure—"You need 1.2 million dollars" or "You can retire at 67." But retirement isn't one big decision with one right answer—it's a deeply personal journey with dozens of variables: when to claim Social Security, how your spending changes as you age, whether and when you sell your house, what investment returns you actually see, and more.
We built Evernest because we believe you deserve better than oversimplified answers and wasted time struggling to model your financial future in spreadsheets. You deserve to see your retirement play out year by year, test different scenarios in real time, and understand how every decision affects your financial future. Evernest lets you model your retirement decisions visually and intuitively, whether you're wondering if you can retire early, deciding when to take Social Security, or planning a major financial event like selling your home.
We believe retirement planning should be visual, interactive, and accessible to everyone—not just those who can afford expensive financial advisors or enterprise software that costs thousands of dollars per year. Quality retirement planning tools shouldn't be a luxury reserved for the wealthy. They should be available to anyone who wants to take control of their financial future.
Our mission is to democratize retirement planning by providing powerful, professional-grade tools at prices anyone can afford. We want to empower you to make informed decisions about your retirement, whether you're just starting to save in your 30s or fine-tuning your strategy in your 60s. We believe that when people have access to clear, visual projections of their financial future, they make better decisions and retire with greater confidence.
Unlike static retirement calculators that give you a single number based on rigid assumptions, Evernest is dynamic and interactive. Every chart, every projection, every analysis updates in real time as you adjust your assumptions. Want to see what happens if you delay Social Security from 62 to 70? Move a slider and watch your entire retirement timeline adjust instantly. Curious how selling your house at 75 would extend your runway? Add it as a financial event and see the impact immediately.
Everything we build is guided by four core principles that shape how we develop features, how we price our service, and how we interact with our users.
Evernest is designed for anyone thinking seriously about retirement, whether you're decades away or planning to retire next year. Our users include people in their 50s and 60s who are close to retirement and want to stress-test their plans, people in their 30s and 40s who want to understand if they're on track, couples trying to coordinate Social Security claiming strategies, and recent retirees who want to monitor their withdrawal strategy and make sure their money lasts.
You don't need to be a financial expert to use Evernest. If you can use a spreadsheet or online banking, you can use our retirement calculator. We've designed it to be powerful enough for sophisticated planning but simple enough for anyone to understand. Whether you're a DIY retirement planner who loves diving into the details or someone who just wants clear answers to basic questions like "when can I retire," Evernest meets you where you are.
Thousands of people use Evernest to plan their retirement with confidence. Some use it to confirm they're on track and can relax. Others discover they need to make adjustments—work a bit longer, reduce spending, or delay Social Security—and they're grateful to find out now rather than after it's too late. Still others realize they're in better shape than they thought and can retire earlier or spend more freely in retirement.
Whatever your situation, Evernest helps you see your path to retirement clearly. Start planning today—it's free to get started, and you'll have visual projections of your retirement timeline in minutes.