Your stop date
When can we stop working?
A year, not a range. Taxes in your state, Social Security, the mortgage and what each of you earns go into one answer, and every line behind it is there to check.
A retirement planner that shows its work
Know where you stand.
See the year you can stop working and whether the money lasts. Every number comes from what you type, and every assumption shows its source. For one of you or both.
Market risk
Will the money last?
Your plan is replayed from every start in the market record since 1871, the Depression included, then through ten thousand simulated futures. You see the share that held, and the worst year.
Your choices
What does one decision cost?
Stop two years earlier. Buy the house. Claim Social Security at 67 instead of 70. The answer moves the moment you change it, and you can keep two versions side by side.
The example plan
Where you stand, on one screen.
This is Maya and Theo's plan, the example household, exactly as the app shows it: the age each of them plans to stop, whether the money lasts, and the earliest they could afford to.
- Every number computed from what you type
- Every assumption shown, and yours to change
Market history
Tested against every market since 1871.
Then ten thousand simulated futures. The number is the share of them where the money lasts. Beside it: the worst year, and how often spending would have had to drop.
Both of you
Planned for both of you.
Two incomes, two stop dates, one plan. When each of you claims Social Security is worked out as a household: the lifetime difference in dollars, and what the survivor keeps if one of you dies first.
Sources
Every rate shows its source.
Inflation from the BLS, medical costs from the BLS and CMS, home values from the FHFA and Case-Shiller, Social Security raises from the SSA's own history, market returns from Shiller: cited under the rate they set, and yours to change. When we simplify, we say so.
Before you start
What you are signing up for.
Four things worth knowing before you make an account.
- No bank logins. You type a handful of numbers, and they stay yours.
- No ads, no data selling. The privacy page says so in plain words, and you can export or delete everything yourself.
- Every number tested. Before anything ships, the math is checked against IRS tables, Social Security figures and an independent backtest.
- Free to see where you stand. Pro, $12 a month, is for keeping the plan true as life changes, and the plan stays yours if you stop.
Now see your own plan.
A plan you keep, not a calculator you run once.