Saved on this device
Today's dollars
Use today's purchasing power for every dollar input.

The planner automatically accounts for inflation in future years and reports every portfolio result in today's dollars—not future inflated dollars.

Think of it this way: if the planner shows $100 in 2050, it means enough money to buy whatever $100 buys today. The actual 2050 price tag may be much higher; we remove that inflation layer because today's prices are easier to recognize and plan around.
Private by design
Your financial entries stay in this browser on this device.

They are stored in the browser's IndexedDB and are not uploaded to the planner's server. Simulations run locally in a Web Worker. A different browser or device will not have this plan, and clearing site data removes it; downloaded reports stay wherever you save them.

Fictional starter values

This first-time plan was randomly generated from realistic ranges. It is not a real household and is here only to make the tool easier to explore. Replace every value with your own before relying on the analysis.

Step 1 · Your retirement timeline

First, define the years this plan needs to cover.

Your birth year, intended retirement age, and planning age create the horizon used by every expense model, milestone, and simulation that follows.

32 modeled years

Household timeline

Use the age you expect portfolio withdrawals to begin. Planning beyond average life expectancy creates a deliberate longevity buffer.

Approximate age now61
Retirement begins2029Age 64
Plan runs through2060Age 95
Next, estimate one realistic year of household expenses.