Add the income you control
Model property cash flow, owner income, and your expected Social Security benefit.
Built for business & property owners
Your retirement is more than a 401(k).
See how your business, rental properties, and Social Security can fund the life you want.
Private by default Educational projections No account required
YOUR SNAPSHOT Live estimate
Retirement income coverage
85%of target income
Rental income$3,790/mo
Social Security$2,800/mo
Income gap$1,310/mo
One clear view of the assets you actually own
Business equity Rental cash flow Social Security Retirement savings
A retirement plan built around ownership
Stop planning as if your biggest assets do not exist.
Generic calculators overlook the messy, valuable parts of an owner's financial life. Owner Retirement turns them into one practical monthly-income picture.
Test the decisions that matter
See how vacancy, claim age, expenses, and your target lifestyle change the outcome.
Turn the gap into actions
Get a prioritized summary you can print and bring to your CPA or financial professional.
Free owner retirement planner
Find your monthly income gap.
Start with a useful estimate in under two minutes. Your inputs stay in this browser and are not saved.
1
Your retirement target
The lifestyle you want to fund each month.
2
Your rental property
Use combined figures if you own more than one.
3
Your Social Security
Use the estimate shown in your SSA account at full retirement age.
Why Owner Retirement
Your assets deserve an owner's plan.
Built for people whose retirement picture includes more than a brokerage balance.
- LandlordsTurn rent, vacancy, debt, and expenses into usable retirement cash flow.
- Business ownersCompare owner retirement-plan options and frame an exit-income target.
- Independent professionalsCoordinate flexible income with Social Security and savings.
Owner field guides
Make the next decision with context.
Source-linked education for landlords, business owners, and independent professionals.
Keep, sell, or refinance before retirement?
Five numbers to compare before turning property equity into retirement income.
Read the landlord guideWhat waiting until 70 really buys you
How delayed credits change monthly income—and what the headline percentage misses.
Read the claiming guideSolo 401(k), SEP, or SIMPLE?
A practical starting point based on income, age, employees, and administrative effort.
Read the plan guideFree tools, supported responsibly
The planner stays free. Advertising stays clearly labeled.
Owner Retirement may earn revenue from display advertising or partner links. Ads never change calculations, source selection, or editorial conclusions.
No paid ranking. No lead forms. No personalized recommendation. See our Advertising & Affiliate Disclosure.
Transparent assumptions. No sales disguise.
Educational, not individualized advice. Owner Retirement provides general estimates and educational content. It is not a fiduciary, investment adviser, broker, accountant, attorney, lender, or government agency.
Verify consequential decisions. Real estate taxes, selling costs, benefit rules, and retirement-plan contribution limits depend on personal circumstances. Use these results to prepare for a conversation with qualified professionals.
Revenue disclosure. We may earn revenue from clearly labeled display ads or affiliate links. Compensation does not change calculator results or editorial conclusions.