Features

Everything a real answer needs.

Most retirement calculators ask three questions and draw a line. This one models your life: both of you, every account, your taxes, your dates.

Plan

Seven short pages, each one thing.

Who you are, what you earn, what you own and owe, your home, what you spend, what you save, and when each of you stops. Skip any of them and come back.

A new plan just after the welcome questions, opened on its first unsettled part, with the default it asks the household to confirm.

Reports

Every year, to the end of the plan.

Net worth, income and spending, and taxes, year by year. Every date the plan works out, soonest first. The whole ledger as a table you can download, and, with Pro, a report you can print.

The Taxes page of the example plan for Maya and Theo: this year's federal, state and payroll tax, and their take-home pay.

Decisions

Every choice, in dollars.

Every choice you control, ranked by what it adds to what your plan leaves: when each of you claims Social Security, whether to convert to Roth, which account to draw first, which debt to clear, the earliest age that holds, the most you can safely spend. The Roth and withdrawal tools come with Pro.

The Decisions page of the example plan for Maya and Theo: each choice they control, ranked by what it adds to what the plan leaves.

Confidence

Tested against every market since 1871.

Then 10,000 simulated futures. The share that held, the worst year, and how often spending would have had to drop.

The Confidence page of the example plan for Maya and Theo, testing whether their money lasts across simulated market futures.

Assumptions

Every rate shows its source.

Every rate the plan runs on, with its published source and a link to the page that changes it.

The Assumptions tab of the example plan for Maya and Theo: every rate the plan runs on, whether it is the default or theirs, and the published source cited beside each rate.

The research the defaults stand on is in the guides: Bengen’s 1994 study of withdrawal rates, the Trinity study, Shiller’s market record, the IRS tax tables and Social Security’s own rules. When the plan simplifies, it says so.

Read the guides