The household
Jim, 58 · Susan, 56 Aiming to retire at 62 and 60 · Planning through age 95
- Saved $1.34M
- Accounts 5
- Spending goal $82,000 / year
- Social Security Jim 62 · Susan 60
Assumptions
- 6.1% return
- Through age 95
- SS at 62 & 60
DIY retirement planner
A retirement planner that shows its work.
Build a complete year-by-year retirement projection using your actual accounts, spending, Social Security and assumptions. Then change retirement age, spending, returns and more to see exactly what changes.
- No credit card
- No bank connection required
- Your assumptions stay visible
What it answers
Five questions people actually ask
Features matter less than the decisions they unlock. Here’s what the planner is built to show you.
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What does my retirement look like year by year?
Baseline Projection — balances, cash flow, and income sources mapped across your plan.
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How much can I afford to spend?
Spending Capacity — the sustainable withdrawal level your plan can support.
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How long will my money last?
Money Longevity — how far your portfolio stretches under your assumptions.
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What happens across thousands of possible markets?
Monte Carlo — probability bands when returns vary randomly year to year.
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How would my plan have survived actual markets?
Historical — replay real market sequences against your spending plan.
2-Minute Stress Test
How does your retirement plan hold up?
Enter nine household numbers. We’ll test your retirement spending against your baseline projection, thousands of possible markets, and actual historical market sequences.
No account required. No bank connection. Uses standard assumptions you can customize in a free plan.
Your plan at a glance
See what you get after you enter your numbers
Here are the numbers. Here are the assumptions. Here is what happened.
- $1.63M Projected at retirement
- $82K / year Spending target (today’s dollars)
- Stress tests Historical and Monte Carlo included
Sample plan
Meet Jim & Susan
A complete household you can explore without signing up — every account, every year, every assumption.
Jim & Susan — baseline
Today
$1.34M
At retirement
$1.63M
End of plan
$3.81M
Read-only sample. Change nothing — just look around.
Open year-by-year detailsStart smaller
A Penny Saved
Not ready for a full household plan? Pick one everyday habit, open the matching calculator, and see what the change could become over decades — free, no account required.
The Daily Lunch
$761,439
$10/day · 5 days/week · 40 years at 8%
The Coffee Run
$380,702
$5/day · 5 days/week · 40 years at 8%
Cancel Unused Subscriptions
$173,188
$75/month · 35 years at 8%
Open A Penny Saved
Inspiration cards, five calculators, and a bridge that explains which tool you’re using.
Transparency
Every account. Every assumption. Every year.
Change an assumption without destroying your original plan.
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1
Enter what you actually own
Individual IRA, Roth, brokerage, annuity, cash and retirement accounts.
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2
Tell us what you expect
Retirement age, spending, Social Security, contributions, returns and inflation.
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3
See where every dollar goes
Annual income, withdrawals, RMDs, account balances and ending portfolio.
Stress-test your plan
More than one way to pressure-test the math
Baseline first — then spending capacity, longevity, Monte Carlo, and historical markets. See how historical returns are modeled.
Baseline
Your core year-by-year projection under the assumptions you chose.
Spending Capacity
How much you can afford to spend without breaking the plan.
Money Longevity
How long the portfolio lasts if spending stays on track.
Monte Carlo
Thousands of randomized market paths — outcomes as probability bands.
Historical
Replay actual market sequences against your spending and claiming plan.
Audit the plan
Year-by-year detail & printable reports
Open any year. Print the full report. Assumptions stay on the page — not buried in a score.
Start free
Build your free retirement plan
Enter your ages, accounts, spending, and Social Security — then see baseline projection, spending capacity, longevity, and stress tests with every assumption still visible.
- No credit card
- No bank linking
- What If scenarios that leave your baseline intact
Trust
Built for people who want to see the math
Retirement planning is all about the formulas behind the data. We make seeing your data easy, keep assumptions visible, and show you the detailed accounting tables.
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How the calculations work
Projections follow the assumptions you enter — accounts, returns, inflation, claiming ages, and spending — year by year. How calculations work →
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Data & assumptions
Market history, Social Security timing, and RMD rules are modeled from published sources. Your plan shows what you set. Sources & assumptions →
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Privacy & security
No bank connection required. Sensitive balances and account details use field-level encryption; passwords are salted and hashed — never stored in plaintext. How we protect your data →
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Educational, not advice
What-if projections only — not investment, tax, or legal advice. Results are estimates, not guarantees.
Tools
Free retirement calculators
Answer a specific question without an account — then build a full plan when you’re ready.
- 2-Minute Retirement Stress Test — broad check across baseline, Monte Carlo, and historical markets
- How Long Will My Money Last in Retirement? — money longevity
- How Much Can I Spend in Retirement? — spending capacity
- Monte Carlo Retirement Calculator — randomized market paths
- Historical Retirement Calculator — actual past markets
- Sequence of Returns Risk — why order of returns matters
- Can I Retire at 60? — editable case study
- 4% Rule vs Sustainable Spending — rule of thumb vs your assumptions
- RMD Calculator — required minimum distributions
- Roth Conversion Calculator — educational federal tax estimate
FAQ
Common questions
Is this a simple calculator or a full planner?
It’s a full DIY retirement planner: individual accounts, year-by-year cash flow, spending capacity, money longevity, Monte Carlo, historical testing, What If scenarios, and printable reports.
Do I need to link my bank or brokerage?
No. Enter balances yourself. That keeps the model transparent and avoids forcing account syncing.
Can I try it before signing up?
Yes — try A Penny Saved calculators, or explore Jim & Susan’s sample plan, without an account. Create a free account when you’re ready to model your own numbers.
Is this financial advice?
No. The tools are educational what-if projections only — not investment, tax, or legal advice. Consider a qualified fiduciary before major decisions.
Ready to see the numbers — and the assumptions?
More serious than a simple calculator. Less opaque than a score. Build a free plan and keep every assumption visible.