Step 1 of 6

Let's start with the basics

We'll use this to calculate how many years your savings need to last and when you can retire comfortably.

In today's dollars — how much do you expect to spend per year in retirement?

Step 2 of 6

Your investment accounts

Add each account. Give it a name you'll recognize, pick its type, and enter the current balance.

💡 Why account type matters: Each type is taxed differently, so the withdrawal strategy depends on knowing which bucket money is in.

Select type to add an account

✔ 🎦
Taxable
Brokerage, stocks — taxed on gains
✔ 🏛️
Traditional IRA / 401k
Pre-tax — taxed on withdrawal
✔ ☀️
Roth IRA / 401k
After-tax — grows tax-free

New account

e.g. "Fidelity 401k", "Vanguard Roth", "Amazon Stock"

Step 3 of 6

Your income in retirement

Tell us about money coming in during retirement — Social Security, pension, part-time work. This reduces how much you'll draw from savings.

New income source

Step 4 of 6

One-time financial events

Add windfalls you expect to receive — home sales, inheritances, business sales, or any lump sum. These are separate from recurring income.

💡 Optional step. Skip this if you don't expect any large one-time inflows during retirement. These won't affect recurring income — they're modeled separately.

Select event type to add

✔ 🏠
Home Sale
Primary residence proceeds
✔ 🏢
Rental / Investment Property
Investment property sale
✔ 💼
Business Sale
Sale of a business
✔ 🎁
Inheritance / Gift
Bequest or large gift
✔ 📋
Life Insurance
Policy payout
✔ 💰
Other Windfall
Any other lump sum

New event

This determines how the money is modeled going forward.

Step 5 of 6

Market assumptions

These drive the Monte Carlo simulation. The defaults are reasonable — most people can skip this step.

⚡ Most people can skip this. The defaults are based on historical S&P 500 data.

Annual market return target

Year-to-year variability

Annual cost-of-living increase

Keeps returns near target (0–1)

Return earned on windfall proceeds kept as cash. Default: 0% (conservative). Use 4–5% to model a high-yield savings account. Cash acts as a market downturn buffer — drawn more heavily when annual returns are negative.

Step 6 of 6

Review your inputs

Everything look right? We'll run 100 Monte Carlo simulations to estimate your retirement success rate.