Dana & Marcus Whitfield · California
About to both stop working. On one path it is comfortable. Across three hundred, it is a coin flip.
Read the report →Thank you — you’re on the list. We’ll email once, when you can run your own numbers. Nothing else.
Six worked examples · computed live
The decisions that decide your retirement get made quietly.
Often years early. Usually by people doing something sensible.
Modelled return paths
300
Every report runs all of them, in your browser, as you read.
No account needed
Six households below. In each one a different thing turned out to be the thing that mattered — a rule, a form, a date, a word on a tax return. None of them saw it coming, and none of them had done anything wrong.
Start with whichever looks least unlike you.01 — 06
Renee Alvarez · Florida
Did the Roth conversion everyone recommends. It cost her $7,900 — twelve months after she did it.
Read the report →Dee & Ray Okonkwo · Colorado
Ray ticked 50% survivor on a form in 2019. It is worth more to Dee than every investment decision since.
Read the report →Shows the rule behind every number.
The source and the arithmetic, line by line, so you can check us rather than trust us.
Says so when it does not know.
Out loud, where you were expecting an answer. You will find this annoying. It is the point.
Runs it three hundred times.
Because “it works” and “it works if nothing goes wrong” are different sentences.
Marguerite Boateng · Arizona
Her tax bill rose the year after Bill died. Nobody warned her, and nothing had gone wrong.
Read the report →The Hallorans · North Carolina
Their money lasts. The report still will not say they are fine — and it tells them exactly why not.
Read the report →Alan Reyes · Ohio
Already retired, already claimed. One thing left that he can change, and it is not enough.
Read the report →Twenty minutes here, and you will know what to ask about your own.
Not the headline figure — the questions. Which rule is about to apply to you, which date you should be counting toward, what nobody has thought to warn you about yet. These are composite households and the figures are illustrative, but nothing about the calculation is simplified: the same model that would run on your own numbers, computed in your browser.
Start with one household Free to read · no sign-up · calculated in your browser