Every number, modeled

The planner works through the real rules that shape a US retirement: taxes, Social Security, Medicare, healthcare. Then it stress-tests the result against decades of market history. Everything here works today.

The hard parts, handled

The details that quietly make or break a retirement, worked out for you, year by year.

Income taxes

Estimates the federal income tax you'll actually owe each year: the lower rates on long-term investment gains, and the surtaxes (the extra taxes that kick in at higher incomes), all under current law.

Required withdrawals

When the IRS starts requiring withdrawals from your retirement accounts, the plan builds them in automatically, at the right age for you.

Social Security

Your benefits, including spousal and survivor amounts and how they're taxed, plus a tool that finds the best age to claim, anywhere from 62 to 70.

Medicare surcharges

Higher incomes pay more for Medicare, through surcharges called IRMAA. The plan forecasts them so they never catch you by surprise.

Health-insurance subsidies

Retiring before Medicare? The plan estimates the health-insurance subsidies you'd qualify for during the gap years.

Tax-smart withdrawals

Every withdrawal is adjusted for the taxes and surcharges it triggers, so your projection shows what you actually keep.

Claim Social Security at the right time

Claiming earlier or later can mean a lot of money over a lifetime. The built-in tool tries every claim age from 62 to 70, for both partners, and recommends the combination that leaves you best off.

  • Weighs both partners together
  • Aims for the biggest nest egg or the safest plan, your call
  • Apply the recommendation with a single click

Claim-age comparison

Social Security claim-age comparison; age 70 is the optimum.
Claim age Monthly Plan success
62 $2,100 84%
67 $3,000 90%
70 Best $3,720 94%

Illustrative. The tool checks every age from 62 to 70.

Two ways to see the future

A clear path to plan around, and an honest look at the risk.

Your most likely path

See where your plan lands based on the returns you expect, or on how your own accounts have actually performed over time. Same inputs, same answer, every time.

Retirement
Planned return Your track record

A stress test, not a guess

A 10,000-scenario simulation (a Monte Carlo, if you like the term) runs your plan through decades of real market ups and downs, then shows how often it succeeds and how much cushion you have, in today's dollars.

Plan success 92% 10,000 runs If a plan runs short
Range of outcomes Most likely Planned
Portfolio by account type 10-year view
Pre-tax Roth Taxable HSA Cash

Your whole portfolio, one model

Every account plays a different role and is taxed differently. The plan keeps your pre-tax, Roth, taxable, and cash buckets straight, because where your money sits changes how much you actually get to keep.

Model the whole picture

From the accounts you hold to the report you print.

Scenarios

Start from one plan, then branch as many what-ifs as you like. Each tracks only what you changed, so comparisons stay honest.

Ways to draw down

Five strategies for spending down your savings, from the simplest to the most tax-efficient. Compare them side by side.

Every kind of account

401(k)s, IRAs, Roth, brokerage, HSAs, pensions, and more, each with its own expected growth and investment mix.

Your real track record

Enter your past balances and the plan works out the actual rate of return your accounts have earned.

Spending & income

Map your must-have and nice-to-have spending, plus pensions, part-time work, and one-off windfalls.

Reports & portability

Print a clean PDF, and take your whole plan with you whenever you want.

What it isn't

Being clear about the edges is part of being trustworthy.

  • Not financial advice, but a tool to explore your options, with a full disclaimer
  • No bank-linking: you enter and control your own numbers
  • No live market feeds: projections use your assumptions and decades of historical data
  • For US residents, built around US tax and Social Security rules

Put your own numbers in

Start a plan and watch it come together.

Request access How it's kept private