Purpose-built planning tools

Everything you need to test the plan.

Clear scenario analysis for the timing, income, tax, and risk questions around retirement.

See the decision, not just a number

Compare the paths before you commit to one.

Put retirement dates side by side, trace what happens to income and savings, and pressure-test the assumptions that matter most to your household.

Scenario comparison

Your retirement outlook

Illustrative
ScenarioPortfolioIncomeOutlook
Retire at 62$1.42M$7,100/moNeeds review
Retire at 65$1.84M$7,100/moOn track

See the tradeoff, then test it against harder markets and higher costs.

Built around the questions people actually ask

Planning depth, organized around your decision.

Timing & scenarios

Compare retire-now versus work-longer choices, model individual or household plans, account for legacy goals and one-time expenses, and get plain-language retirement-decision guidance.

Income & taxes

Set monthly income and sustainable-spending targets; coordinate Social Security, pensions, annuities, and survivor income; estimate taxes, RMDs, taxable Social Security, Roth conversions, and withdrawals.

Risk & stress tests

Use personalized Monte Carlo analysis, year-by-year cash-flow and portfolio projections, inflation and recession scenarios, sequence-of-returns tests, healthcare costs, and dynamic withdrawal guardrails.

Accounts, reports & access

Model 401(k), taxable, Roth, HSA, cash-reserve, and home-equity accounts; then save plans, review progress, generate charts and printable reports, or export Excel and JSON data.

Decision Center

Bring the human side of retirement into the plan with a retirement countdown, Social Security bridge view, timing quick actions, risk flags, and private decision notes.

Start with the questions in front of you

Build your free retirement comparison.

Use your best current estimates, then refine the plan as your life and assumptions change.