For a household asking "can we retire, and when?"
Retire RunwayWill the money last? A year-by-year projection, stress-tested.
Write down the household: ages, savings and what goes into them, spending, Social Security, pensions, the mortgage, college. Free in your browser: 1,000 market paths give the probability the money lasts (the target is 85%), the retirement spending that hits it, and the stress test - retire two years early, a 20% market drop, spending +20%, a longer life, three years of care - with Social Security at 62, 67 and 70 side by side. All money in today's dollars. A run turns first-meeting notes into the plan sheet, or writes the plan review from the page's numbers. A planning model, not financial advice.
1 The plan free
The projection runs in your browser and sends nothing. A paid run sends the plan and the page's numbers to the model; nothing is saved unless you press save.
2 The runway free
A planning model for US households under the assumptions you enter: not financial, tax or legal advice, and not a guarantee. Speak to a qualified, licensed financial adviser before you act on it.
The portfolio, year by year (today's dollars; band = 10th to 90th percentile of 1,000 market paths)
Stress test
Social Security: when to claim
Education
Year-by-year cash flow
Where the problems are
Findings
3 Write the sheet, or review the plan metered
The reply, as it came
Questions for the household
The plan sheet
Left off the sheet
What drives the plan
The stress test, read
Options to discuss
Education
Insurance and estate
Questions
Findings
The page's calls
Caveats
Checked against the page
Saved plans
How it works
The plan follows the financial-plan skill: cash flow, then retirement - the accumulation years, then withdrawals with Social Security, pensions and required minimum distributions - then the goals, a Monte Carlo probability of not running out of money against an 85% target, and the stress test. Everything is in today's dollars: returns, raises and pensions that are not inflation-indexed are shown after inflation. The 1,000 market paths are seeded, so the same plan always gives the same answer, and every scenario runs on the same paths, so they differ only by their lever.
The model is simple on purpose: one effective tax rate, withdrawals in a fixed order (cash, taxable, pre-tax, Roth), yearly independent returns. It is a planning model to see which levers matter, not a forecast and not financial advice. The intake and the review are written by a language model and held to the page: the sheet may carry only numbers from the notes, and the review may quote only numbers the page printed, must read every stress test, answer every finding and name no product.