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Model your retirement. See the possibilities.

Built for U.S. retirement planning. Compare scenarios with simplified models for federal taxes, Social Security timing, Medicare, and healthcare. Then stress-test them against decades of market history. It all runs privately on your device, and your numbers stay yours.

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Built to compare retirement scenarios

A working model of retirement factors that can affect the outcome.

Simplified financial models

Taxes, required withdrawals, Social Security, Medicare costs, and health-insurance subsidies, modeled with selected federal rules and point-in-time parameters. Coverage is simplified and can become outdated.

Stress-tested against history

A projection plus a 10,000-scenario stress test built on decades of historical market history, so you see the modeled range of outcomes and the risks around it.

Private by design

Your financial workspace is encrypted on your device before it syncs to the cloud. No bank-linking, and no advertising trackers or analytics pixels.

See your plan three ways

A planned path, a comparison with your account history, and a stress test for the risk around it.

Planned

Each account grows at the return you set. The same inputs repeat the same result for a given version; accuracy still depends on your assumptions.

Historical

Each account grows at the rate calculated from its balance history, providing a comparison with your planned return.

Stress test

Thousands of simulated market histories show how often your plan lasts, with typical, pessimistic, and bad-luck outcomes, all in today's dollars.

Planned vs. account history

Your planned returns and calculated historical returns, side by side.

Retirement
Planned return Your track record

The stress test

How often your plan succeeds across thousands of simulated market histories.

Plan success 92% 10,000 runs If a plan runs short
Range of outcomes Most likely Planned

Plan in branching scenarios

Start from a base plan, then branch unlimited what-ifs: retire two years earlier, contribute more, change your withdrawal order. Each scenario only stores what you changed, so comparisons focus on the differences between plans.

  • Compares Social Security claim ages 62–70 under the objective you select
  • Calculates a Roth-conversion break-even rate and can add the schedule to a scenario
  • Five ways to draw down your savings, with modeled tax results compared side by side
  • Per-scenario retirement age, contributions, returns, and spending
Explore the features

Social Security claim-age comparison

Social Security claim-age comparison; in this illustration age 70 has the highest modeled plan-success rate.
Claim age Monthly Plan success
62 $2,100 84%
67 $3,000 90%
70 Highest rate $3,720 94%

Illustrative. Compares claim ages by modeled plan-success rate.

Designed for sensitive financial planning data.

Your financial workspace is encrypted on your device before it syncs to the cloud, you sign in with a passkey or password, and there are no advertising trackers or analytics pixels.

How data is protected

Good to know

  • For U.S. residents, built around U.S. federal tax and Social Security rules
  • Informational retirement modeling, not financial advice
  • No bank-linking and no live market data: your inputs, your control

Build a plan with your own numbers

Compare scenarios and see how your assumptions affect the result.

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