StockFocus is a free retirement and financial planning platform built for the 45+ crowd. Run the math on Social Security claiming ages, Roth conversion ladders, RMDs, Medicare/IRMAA, and Monte Carlo retirement projections. Compare US tax burden vs 35+ destination countries. Explore 180+ global retirement cities with cost of living, healthcare, and visa info. Every planning tool is free and requires no signup.
Yes. All 10 retirement and tax calculators, the international tax estimator, and the 180+ city guides are free with no signup required. A $2/month Premium plan adds unlimited portfolios, advanced AI analysis, and Plaid brokerage sync — but you never need it to use the planning tools.
Yes. Every calculator was refreshed in May 2026 with One Big Beautiful Bill provisions: permanent 37% top rate, $6K/$12K Senior Bonus Deduction (2026-2028), $108K QCD limit, and the higher ~$15M estate exemption made permanent.
We use SSA's official benefit reduction and Delayed Retirement Credit formulas, the 2025 COLA, and the actual spousal benefit reduction schedule. It models breakeven age and lifetime income at 62, 65, 67, and 70 side-by-side. Full methodology and SSA source links at /methodology.
No. StockFocus is education and planning software, not a financial advisor. We show you the math so you can have a more informed conversation with a fee-only fiduciary. We link to advisor lookup tools for that.
An interactive directory of 180+ retirement destinations across 6 continents. Each city has cost of living in USD/CAD, healthcare ratings, visa requirements, signature dishes, embedded YouTube tours, and a full SEO-optimized profile page.