Retirement

Add one or more pensions on the Retirement page with a monthly amount, start age, optional cost-of-living raise, and an optional lump-sum payout.

Turn on Add extra spending money in retirement to add a monthly or yearly budget for travel, hobbies, or a buffer on top of your projected bills.

Model selling your home at any age and buying a cheaper one — the difference joins your nest egg, and ongoing taxes and insurance become a new expense.

Beyond Payday simulates your finances month by month to age 95 across four account types, then models taxes, Social Security, and withdrawals.

See how claiming Social Security anywhere from 62 to 70 changes your monthly benefit and retirement projection, including spousal benefits and taxes.

Turn on Already Retired mode to start your projection in withdrawal mode now, so you can see whether your savings will last through age 95.

Switch your retirement projection from a single fixed-rate estimate to thousands of randomized market scenarios, so you can see how your plan holds up.

Save a dated snapshot of your retirement plan and print it or save it as a PDF — with your assumptions, headline numbers, and income by source.

Model selling your home and renting afterward — the sale pays off your mortgage, the proceeds join your nest egg, and rent becomes an inflating expense.

Answer plain-language questions one at a time to fill in your retirement plan, with suggestions for anything you skip and a live read on your plan as you go.

Set how much your investments grow each year and how fast prices rise each year on the Retirement page to control your projection's assumptions.

Drag the Age you stop working slider on the Retirement page to set when you and your spouse stop working, and set an age to plan until to model survivor benefits.