Household timeline
- Single-person and married-household plans
- Separate current, retirement, Social Security, and planning-end ages
- Current and future state of residence, and planned move year
- Survivor spending after the first spouse dies
The complete toolset
Every retirement decision, in one connected plan.
Build the details once. Then test retirement timing, spending, Social Security, taxes, Roth conversions, cash reserves, and withdrawals against the same plan.
Full access · No credit card · No account linking
01
Build the plan
Model the retirement you actually have in mind.
Start with the decisions and life events that shape your plan, from different retirement dates for each spouse to a future move across state lines.
Spending and life events
- Retirement spending in today's dollars
- Optional retirement spending smile and market-stress reductions
- One-time or recurring income and expenses by year
- Inheritances, gifts, college, remodels, weddings, and major purchases
- Existing loans, financed purchases, and credit-card payoff choices
02
Income and assets
Bring every major source of retirement funding together.
Accounts, guaranteed income, contributions, property, and debt all feed the same year-by-year projection.
Accounts & contributions
- Multiple taxable, tax-deferred, Roth, and cash accounts
- Owner, starting value, cost basis, and asset allocation by account
- Employee contributions and employer matching
- Contribution growth by career stage
- Custom contribution start and stop ages, including Coast FIRE
Retirement income
- Known or estimated Social Security benefits for each spouse
- Pensions with start age, end age, and survivor percentage
- Qualified and nonqualified annuities, owned or purchased later
- Lifetime or term-certain annuity income
- Other recurring and rental income
Real estate
- Primary, rental, and investment properties
- Value, basis, improvements, mortgage, rent, and sale costs
- Sale at a selected age or year, or automatically for liquidity
- Custom liquidation order with the primary home sold last
- Direct sale proceeds to taxable and cash accounts
The planning workspace
Detailed when it needs to be. Guided when it matters.
Add each part of the plan through focused editors instead of a single overwhelming form. The app keeps the tax treatment, timing, ownership, and survivor details connected.
Income sources
Add pensions, qualified or nonqualified annuities, and other recurring income with start, end, ownership, survivor, purchase, and tax details.
Income, expenses & debts
Time inheritances, asset sales, major purchases, recurring costs, mortgages, financed purchases, and credit-card payoff choices by year.
Accounts & property
Define account ownership, balances, basis, allocation, contributions, employer match, contribution windows, real estate, mortgages, rent, and sale instructions.
Social Security setup
Use known statement values or estimate benefits from final income, identify benefits already being received, and define each spouse separately.
03
Overview
See the range, understand the risk, and know the next move.
Overview runs the current plan across 112 historical starts. The charts below are the actual rendered canvases from the 94% sample plan.
Historical Modeler
Open any market history and inspect the full plan year by year.
The heatmap finds vulnerable retirement dates and return sequences. Selecting a cell opens the balances, funding sources, account composition, taxes, healthcare, RMDs, and cash behavior behind that outcome.
1973 held constant
Change only retirement age and the outcome changes dramatically.
The selected age-60 plan depletes in the 1973 sequence. Moving down the same column reveals how a few years of timing can shift the result from failure to a seven-figure ending.
- 112 historical starting years
- Retirement-age sweep
- Funding outcome and ending assets
- Fixed-return alternative for assumption testing
Two views, two purposes: the heatmap holds 1973 constant to expose the full retirement-timing cross-section. The detailed Historical Modeler and Taxes & Healthcare charts use the representative 1985 scenario.
04
Decision tools
Move from “Will it work?” to “What should I change?”
Each tool uses the plan you already built. Recommendations come from tested outcomes, not a generic checklist.
Analyze
Rank retirement-age, spending, and contribution changes by how much each improves the plan.
Social Security optimizer
Test joint claiming-age combinations and identify the strongest household strategy.
Roth conversions
Compare conversion strategies, lifetime tax, RMDs, and after-tax ending wealth.
Cash reserve
Test reserve sizes and configure drawdown, refill, return, and sunset rules.
Near-term action plan
See a three-year withdrawal plan and annual Roth-conversion schedule when relevant.
Policy controls
Use automatic or manual withdrawal order, Roth-conversion, and cash-buffer policies.
05
Taxes and healthcare
Model the costs that simpler plans leave outside the spending number.
- Federal ordinary-income and capital-gains tax
- Social Security taxation and net investment income tax
- Required minimum distributions
- State income-tax modeling for all 50 states and Washington, D.C.
- Tax changes after a planned interstate move
- Pre-Medicare insurance, Medicare Parts B and D, and Medigap
- IRMAA tiers and income-related surcharges
- Tax-bracket, annual tax, healthcare, and RMD charts
06
Scenario comparison
Put competing choices on the same screen.
Save a plan before you change it, then compare the outcomes and the exact inputs that made them different.
- Save and name complete plan scenarios
- Compare success, ending assets, spending, and retirement age
- Overlay median and downside portfolio paths
- Show only the inputs that differ
- Choose a custom comparison baseline
- Archive, restore, rename, reorder, and delete scenarios
07
AI retirement assistant
Ask about your plan. Get an answer grounded in it.
The assistant reads the plan already on screen, so the conversation starts with your actual results, assumptions, accounts, and enabled strategies instead of generic retirement advice.
- Answer questions using the current plan
- Explain charts, results, and plan mechanics
- Recommend the most relevant analysis tools
- Apply input changes after you approve them
- Ask follow-up questions without leaving the dashboard
- Keep recommendations focused on the software
08
Results and guidance
A detailed model, translated into a plan you can use.
The dashboard keeps the evidence close. The downloadable report turns the same analysis into a plain-English summary of where you stand, what to do, and why.
- Plan-success gauge and summary metrics
- Portfolio and account-balance projections
- Income, spending, withdrawal, tax, and healthcare charts
- Contextual field help and chart explanations
- Plain-English retirement plan report
- Ranked Social Security, Roth, and cash-reserve evidence
- Three-year withdrawal and conversion schedules
- Client and advisor report formats
Built for a focused planning session.
- Guided first-time setup
- Automatic plan saving
- Light and dark themes
- Adjustable interface scale
- Restartable walkthrough
- Erase saved plan data anytime
Your numbers. Your decisions.
See what the full toolset finds in your plan.
Build a complete plan free, with no credit card and no account linking.
Start planning