Corvana Studio

Make your wealth last.

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The questions it answers

Clear answers to the big money questions of retirement.

Corvana Studio models your household year by year, through every account, tax rule and income source, so you can see the consequences of each choice before you make it.

Will our money last?
Every year of income, spending, taxes and balances, out to the end of the model.
See the year-by-year model →
When should we claim Social Security?
What each claiming age is worth over a lifetime, for one of you or both.
See Social Security timing →
Should I convert to Roth, and how much?
The optimizer sizes conversions year by year against tax brackets and Medicare surcharges.
Read the Roth conversion guide →
How do we keep taxes and premiums down?
Federal and state tax, NIIT, IRMAA, Medicare and ACA premiums, counted every year.
See taxes →
What will our heirs actually receive?
The estate after taxes, including the ten years heirs have to draw down inherited IRAs.
See legacy strategies →
What if markets crash right after we retire?
Monte Carlo, historical backtests and named crash scenarios test the model, not an average.
See the stress tests →
How it works

From your numbers to a stronger strategy.

No spreadsheets and no account linking. Most people see a first result in a few minutes.

1
Enter your numbers
Ages, accounts, Social Security and spending. Or start from a sample household and change what's different.
2
See every year
Income, taxes, withdrawals and balances for each year, in today's dollars or future dollars.
3
Optimize the strategy
Pick a goal. The optimizer searches tens of thousands of strategies and applies the best one to your model.
4
Stress-test and check in
See how it holds up in bad markets, then update your balances over time and track progress against the model.
See it on a real household

What the optimizer found for four sample households.

Before and after, from the same optimizer you can run in the app. Open any of them and explore every number.

Pre-retirees, Roth window
ages 60 / 58 · ~$3.2M
Convert before RMDs & Medicare
Lifetime taxes & premiums
$1.15M → $1.05M −$107k
Left to heirs
$13.53M → $17.14M +$3.61M
Monte Carlo success
97.2% → 97.8%

The lever: about $350k a year of Roth conversions, 2030–2033 ($1.40M in all).

Explore this household →
In RMDs, charitable
ages 73 / 71 · ~$4.0M
Tame RMDs with QCDs; watch IRMAA tiers
Lifetime taxes & premiums
$1.38M → $1.20M −$177k
Left to heirs
$14.86M → $16.17M +$1.31M
Monte Carlo success
100.0% → 100.0%

The lever: about $301k a year of Roth conversions, 2026–2032 ($2.11M in all).

Explore this household →
Single retiree
~$1.2M
Single brackets and tighter IRMAA
Lifetime taxes & premiums
$394k → $313k −$81k
Left to heirs
$3.28M → $3.76M +$474k
Monte Carlo success
95.8% → 97.3%

The lever: about $57k a year of Roth conversions, 2028–2036 ($509k in all).

Explore this household →
Affluent couple, balanced
ages 66 / 65 · ~$3.8M
A balanced, just-retired baseline
Lifetime taxes & premiums
$1.00M → $758k −$243k
Left to heirs
$10.87M → $12.35M +$1.48M
Monte Carlo success
99.2% → 99.2%

The lever: about $172k a year of Roth conversions, 2027–2040 ($1.37M in all).

Explore this household →

Sample households with made-up figures, optimized for the Balance Cost & Legacy strategy by the same optimizer you can run in the app (about 47,000 candidate strategies each). Illustrations only — not a forecast, a guarantee, or advice for your situation.

What it can do

Built for precision.

A model that knows every account, tax rule and income source, and can optimize across all of them at once.

Year-by-year model

Every year, every account, every dollar.

See where each year's spending comes from, how balances change, and when required withdrawals, Medicare and Social Security begin.

  • 401(k), 403(b), 457(b), IRAs, Roth, HSA, brokerage and cash
  • Social Security, pensions, annuities, paychecks and rental income
  • Today's dollars or future dollars, at the click of a button
Stacked bar chart of a sample household's yearly income sources from age 60 to the end of the model
Cash flow sources, year by year (sample household)
Where the money goes

Pick any year and follow the money.

A flow diagram shows which accounts funded the year and where it went: spending, taxes and premiums, or money set aside, such as a Roth conversion.

  • Every number reconciles, sources to uses
  • Step through the years with milestones marked
Flow diagram of one year: withdrawals from a 401(k) and brokerage account flowing to spending, taxes and a Roth IRA
One year's money flow (sample household)
The optimizer

Let the optimizer find a better strategy.

It tunes Roth conversions, the order you draw from accounts, and your spending path together, toward the goal you choose, and shows exactly what changed.

  • Five goals, from lowest lifetime cost to the largest legacy
  • Conversions sized against tax brackets and Medicare surcharge cliffs
  • Compare every goal side by side on the Model Verdict

Guide: how much to convert to Roth each year →

Summary card: the optimizer lowered lifetime costs from 1.16 million to 932 thousand dollars and raised the legacy by 1.66 million
What the optimizer found (sample household)
Taxes, done properly

Every tax and premium, every year.

Federal and state income tax, NIIT, Medicare and IRMAA surcharges, ACA premiums and estate tax, using current law and the changes already enacted for future years.

  • Every US state, including moves between states
  • Thresholds that aren't indexed for inflation shrink over time, as they do in real life
  • Living abroad in Costa Rica, including its taxes and health care
Tax summary: lifetime costs, average tax rate, peak bracket, IRMAA years and a breakdown of federal, state, Medicare and ACA costs
Lifetime taxes and premiums (sample household)
Social Security

Claim at the right age, for both of you.

See how each benefit grows from 62 to 70, the claiming pair worth the most over your lifetimes, and the effect on your whole model, not just the benefit checks.

  • Spousal and survivor benefits included
  • Optional trust-fund reduction scenario
Line chart of each spouse's annual Social Security benefit by claiming age, with the household-optimal claiming ages
Social Security by claiming age (sample household)
Stress tests

Know how it holds up when markets don't cooperate.

Thousands of simulated futures, every historical starting year back to 1928, and named scenarios like the Great Depression and an early-retirement crash.

  • Success rate and the spread of outcomes
  • A long-term-care stress test, with or without insurance
  • A sustainable spending estimate
Monte Carlo results: a 98.4 percent success rate across 1,000 simulated futures, with median and percentile end wealth
Monte Carlo simulation (sample household)
Results you can share

A clear summary, ready to discuss.

The Model Brief puts the bottom line, your assumptions and what you have on one page, to print or share with a partner or a financial professional.

  • Health Check flags gaps and problems in your inputs
  • Action Items lists what the model schedules this year
Model Brief: the bottom line, success rate, lifetime spending and the amount left to heirs
Model Brief (sample household)

Charitable giving

  • QCDs from IRAs, including inherited IRAs
  • Donor-advised funds
  • The non-itemizer charitable deduction

Special situations

  • 403(b) and 457(b) plans
  • Inherited IRAs and the 10-year rule
  • Deferred compensation and RSUs
  • Real estate and family accounts

Staying on track

  • Net worth tracked against the model
  • Check-in reminders
  • Version history for every model

Working together

  • Share with a partner or a financial professional
  • View-only or edit access, revocable anytime
  • Compare saved scenarios side by side
Who it's for

For people who want to understand their own numbers.

Approaching retirement

Decide when to stop working, how to bridge to Social Security, and how much to convert to Roth before required withdrawals and Medicare begin.

Already retired

Manage required withdrawals, Medicare surcharges and charitable giving, and know what your heirs will receive.

Couples

Coordinate two Social Security claims, two sets of accounts and the survivor years in one model.

Financial professionals

Model a client's household, share a Model Brief, and work in the same model with view-only or edit access.

Privacy & trust

Your numbers stay yours.

Try it without an account

Guest mode runs entirely in your browser. Your numbers aren't sent to our servers unless you create an account.

No account linking

You type in your own balances. Corvana Studio never asks for your bank or brokerage logins.

Never sold

We don't sell or share your data, use it for advertising, or use it to train AI models. Two-factor sign-in is available. Privacy Policy

Modeling, not advice

Corvana Studio is an educational modeling tool. It shows consequences; the decisions stay yours. Financial Disclaimer

How we protect your data →

Pricing

Start free. Upgrade when you're ready.

Every plan runs the same engine. Paid plans begin with a 14-day free trial, and you can cancel anytime from your Account page.

20% off for as long as you stay subscribed. Enter code YEAREND2026 at checkout when you start a paid plan by December 31, 2026.
Free
$0
No card needed
  • Household, accounts, Social Security and spending
  • Charts, scenarios and the Model Verdict
  • Monte Carlo, 1,000 paths on your device
  • Your model saved to the cloud
  • 3 optimizer runs
Create a free account
Deluxe
$49/ year
14-day free trial
$39.20 / year with code YEAREND2026
  • Every page — pensions, real estate, taxes, Roth conversions, estate and more
  • Standard optimization runs
  • Monte Carlo up to 1,000 paths
  • Model Brief and sharing with a partner or financial professional
Start Deluxe trial
Deep exploration
Premier
$69/ year
14-day free trial
$55.20 / year with code YEAREND2026
  • Everything in Deluxe
  • Deep optimization (multi-seed with restarts)
  • Monte Carlo up to 10,000 paths
  • Volatility, return and 2-D grid explorations
  • Editable tax tables and model-file import
Start Premier trial

Prices in US dollars, billed yearly after the trial. Give a year as a gift → Illustrations only — not investment, tax, or legal advice.

FAQ

Questions, answered.

Is Corvana Studio financial advice?
No. It's an educational cash flow modeling tool: it shows the modeled consequences of choices, using your inputs and assumptions. It isn't investment, tax or legal advice. Many people review their results with a financial professional, and you can share your model with one.
What does the optimizer actually change?
It searches tens of thousands of strategies for your Roth conversions (how much, in which years), the order you draw from your accounts, and your spending path, toward the goal you pick: lowest lifetime cost, lowest legacy cost, best legacy per dollar of cost, a balance of cost and legacy, or the largest legacy. The result is applied to your model so you can see every year, and Social Security claiming has its own analysis page.
Do I have to link my bank or brokerage accounts?
No. You enter balances yourself, or start from a sample household and change what's different. Corvana Studio never asks for financial account logins.
Is my data safe?
In guest mode your numbers stay in your browser. With an account, your models are stored securely in our database and only you, and anyone you choose to share with, can see them. We don't sell or share your data, use it for advertising, or use it to train AI models, and two-factor sign-in is available. See how we protect your data and the Privacy Policy.
What's included for free?
A free account saves your models to the cloud, includes the core pages and Monte Carlo (1,000 simulations, run on your device), and comes with 3 optimizer runs. You can also try the app as a guest with no account at all. Deluxe and Premier unlock every page, more optimizer runs and deeper analysis.
How do the paid plans and cancelling work?
Deluxe ($49 a year) and Premier ($69 a year) start with a 14-day free trial. You can cancel anytime from your Account page, online, with no phone call.
Is there a promo code?
Yes: enter YEAREND2026 at checkout when you start a paid plan by December 31, 2026, for 20% off for as long as you stay subscribed.
Is there a mobile app?
Corvana Studio runs in your phone's or tablet's browser, so there's nothing to download. To open it like an app, add it to your home screen: on iPhone or iPad tap Share, then Add to Home Screen; on Android tap the menu, then Add to Home screen. It gets its own icon and opens full screen.
Does it handle my state, or living abroad?
Yes. It models every US state's income tax, including moves between states over time, and living in Costa Rica, with its taxes and health care.

See your own numbers in minutes.

Start in your browser with no account, or create a free account with 3 optimizer runs.

Try it free → Create a free account