Retirement Planner
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Today’s dollars • Real returns
Two clear numbers!
Retire with confidence.
Start Cash Needed
Start Stocks Needed
Tough‑market test
Refill stocks only after recovery
Get Started
Stocks refill on recovery
We never spend stocks on living costs.
10‑year cash buffer
Optional ladder, built over time.
Age‑95 confidence
Target ≥90% across 1,000 trials.
Get Started
Plan Setup
Enter 6 numbers. Everything is in
today's dollars
.
Your age
Retirement age
Must be ≥ your current age.
All‑in yearly spending (today's $)
Social Security at 70 (today's $/yr)
Starting Cash
Starting Stocks
Run Plan
All amounts are in
today's dollars
. Stocks use
real, after‑inflation
returns. We only sell stocks to refill the cash buffer after a recovery.
Input Snapshot
Baseline (representative path)
One illustrative path with ups & downs.
Year
Age
Spending
Social Security
Cash used
Sold (emergency)
Sold (recovery)
Future coverage cash (earmarked)
Stocks ending
Funded years ahead (10)
Ladder total (earmarked)
Cash earmarked in the ladder after each year (baseline path).
Stocks balance (baseline)
Stocks after each year along the baseline path.
Export Results (JSON)
Crunching 1,000 what‑ifs…