This comprehensive retirement planner makes reliable projections of your future financial state. It uses input about your current financial assets, your current and future income, investments, and expenses, and predicts the state of your finances before and after retirement. It takes many factors into consideration based on your input: salary, raises, additional income, stock return rate, interest rates, your expenses, cash ratio, tax rates, and inflation. The application also accounts for future lump sum changes (large one-time expenses, inheritance, etc.). The user has the option to display the results in inflation adjusted amounts. The calculation uses Monte Carlo iterations, optionally using random variations in stock returns to simulate market fluctuations, in order to produce a range of possible outcomes and failure rates. The parameters you enter can be saved for future calculations.