Planning workspace
What would you like to work on today?
Start with a complete retirement plan, or jump directly into a specific planning topic. Every tool is designed to help answer an important financial planning question.
Retirement Plan Builder
Enter your numbers once and see how savings, Social Security, spending, RMDs, and estimated federal taxes fit together year by year. Premium adds a Monte Carlo stress test on the same plan, plus PDF export and AI explanations of your specific results.
Planning shortcuts
Social Security Claiming Analyzer
Compare claiming ages and see how lifetime Social Security benefits change over time.
OpenRetirement Spending & On-Track Checkup
Estimate a retirement budget from your current spending, factor in guaranteed income, and see whether your savings look on track using a simple withdrawal-rate rule of thumb.
OpenRoth Conversion Calculator
Analyze the benefits of converting traditional IRA funds to Roth, considering current vs future tax brackets, RMDs, and Medicare IRMAA thresholds.
OpenPlan Success (Monte Carlo)
Standalone stress test: portfolio, annual withdrawal, years, return, and volatility. Best for quick experiments; most users should start with Retirement Plan Builder instead.
OpenSocial Security
Decide when to claim, how couples should coordinate, and what income Social Security will actually cover.
Social Security Claiming Analyzer
Compare claiming ages and see how lifetime Social Security benefits change over time.
OpenEarly Exit Social Security Impact
See how stopping work earlier than planned can lower the Social Security benefit your SSA statement assumes.
OpenSocial Security Survivor Impact Calculator
Should the lower earner delay to age 70? Not always. Compare claiming strategies for both spouses and see how survivor benefits, longevity, and COLAs can dramatically change the strategy that produces the highest lifetime household income.
OpenSocial Security + Spending Gap Calculator
See how Social Security reduces the portfolio you need by identifying your real retirement spending gap.
OpenRetirement Income and Spending
Turn income sources, spending needs, and timing choices into a clearer retirement paycheck strategy.
Retirement Spending & On-Track Checkup
Estimate a retirement budget from your current spending, factor in guaranteed income, and see whether your savings look on track using a simple withdrawal-rate rule of thumb.
OpenRetirement Timeline & Checklist
Turn your target retirement date into a simple, phased checklist of tasks—from early prep to your last day at work and first year in retirement.
OpenPension vs. Lump Sum
See how many years it takes for the pension to “pay back” the lump sum and how your life expectancy affects the choice.
OpenFuture Value Calculator
Calculate present value, future value, annuities, and required payments to reach your financial goals.
OpenRequired vs. Desired Spending Calculator
Separate essential expenses from discretionary spending to calculate the minimum portfolio needed for security and the ideal portfolio for your full retirement lifestyle.
OpenTaxes and RMDs
Plan around taxable withdrawals, Roth decisions, and required distributions before they surprise you.
Roth Conversion Calculator
Analyze the benefits of converting traditional IRA funds to Roth, considering current vs future tax brackets, RMDs, and Medicare IRMAA thresholds.
OpenRMD Impact
Estimate how Required Minimum Distributions interact with your portfolio, taxes, and retirement income over time.
OpenPortfolio and Risk
Pressure-test whether your plan can handle market uncertainty, debt, survivor needs, and withdrawal choices.
Plan Success (Monte Carlo)
Standalone stress test: portfolio, annual withdrawal, years, return, and volatility. Best for quick experiments; most users should start with Retirement Plan Builder instead.
OpenSurvivor Gap Calculator
Compare single-life vs joint-life annuity payouts and see how life insurance could fill the gap for your surviving spouse.
OpenDebt Payoff Calculator
Pay down debt before retirement—compare avalanche vs snowball, see payoff timelines, and how extra payments save interest.
OpenEstate and Legacy
Think through how retirement account decisions may affect heirs, taxes, and long-term family outcomes.
Comparisons and Specialist Tools
Evaluate focused trade-offs when fees, advice models, or investment choices could change the outcome.
Safe Withdrawal Rate & Fee Impact
See how AUM and fund fees change the 4% rule — spending power and ending wealth — without assuming fees cut the SWR dollar-for-dollar.
OpenManaged Portfolio vs Vanguard Index Fund
See the true cost of advisor fees - including opportunity cost - compared to low-cost Vanguard index funds.
OpenVanguard Personal Advisor vs Target Date Funds
Compare the cost of Vanguard PAS (0.30%) with a self-managed blend of Target Date funds. Allocate conservative, moderate, and aggressive.
OpenAI Budget Auditor & Financial Assistant AI-Powered
Connect your YNAB budget to generate instant, rule-based category snapshots completely free. Upgrade to Premium to unlock interactive GPT-4o budget audits, overspending anomaly alerts, and personalized live chat follow-ups.
Foundational Planning
Build a stronger base by improving cash reserves, reducing debt, and deciding where extra dollars should go.
Emergency Fund Builder
Set a target (e.g. 3–6 months of expenses) and see how long it takes to get there at your savings rate.
OpenDebt Payoff Calculator
Compare avalanche vs snowball, see payoff timelines, and see how extra payments shorten your journey and save interest.
OpenDebt vs Saving: Which First?
Compare putting extra cash toward high-interest debt versus investing it for retirement and see which leaves you with higher net worth over time.
OpenBig Goals
Map large financial milestones so student loans, housing, and savings goals fit into the bigger plan.
Retirement Growth
Estimate where you are headed and see how savings, time, compounding, and trade-offs can improve the path.
401(k) / IRA On Track?
See if your current balance and contributions put you on track for retirement by your target age.
OpenHow Much Do I Need? Nest Egg Target
Get a rule-of-thumb target for how much to have saved by retirement. Enter the income you want, subtract Social Security and pensions, and see the nest egg you’re aiming for.
OpenThe Power of Compound Interest
Play with starting amount, monthly contributions, years, and return to see how compounding drives long-term growth.
OpenRetirement Trade-Off Explorer
See how retiring later, saving more each year, or spending less (or adding part-time income) changes whether you look on track for your retirement income goal.
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