Enter the password to open your retirement plan.
Simulating all the possibilities to maximize your reality
Retirement planning is really one question: will your savings — plus what you keep adding — be enough to live on once the paychecks stop, for the rest of your lives? Money saved now grows over time, and one day it has to cover everything. This app works that out for the two of you, in three steps.
Drag each slider to the age you'd like to stop working.
Some booms, some crashes — your whole life, played out 1,200 ways.
The big number is how often your money lasted all the way to 100.
No wrong answers — it's a tool to dream and plan together. 💍
Raw projection for the selected lifestyle under your current settings. Balances are the median across 1,200 simulations; the range is the 10th–90th percentile.
Household retirement planner
Two people, one shared pot of money. Choose when each of you stops working; the household lives off the portfolio once you've both retired. Every lifestyle is tested against 1,200 possible market futures — so you see the odds, not a single optimistic line.
Each slider is that person's last working year. Spending begins once you've both stopped.
Tap a lifestyle to see its full range below.
Lifestyle spending — household, per year, in today's dollars
How it works. Each person saves their amount every year until they retire; the household then lives off the portfolio, with withdrawals grossed up for tax and offset by one combined Social Security benefit. The home is financed — a down payment at the buy age, interest-only payments until you retire, then the balance cleared in full — and never counts as money you can spend. Returns are random each year, and 1,200 runs show the spread. Ages follow Kevin; Goretti is treated as 1 year older. Social Security, taxes, healthcare, and survivor spending are simplified — this is a planning guide, not a guarantee.