Retirement Modeling

Project income, expenses, properties, and net worth from today through retirement. Edit any field and watch every projection update in real time.

Year: —
Years to Retirement: —
— auto-saving on edit —
✓ Up to date
Section 1.1 — Personal Info Financial Baseline
Your age today.
Year you stop working full time.
Determines federal tax brackets used each year.
%
Combined federal + state effective rate. Leave blank to auto-compute from federal brackets each year.
%
Default raise rate when raise % blank.
Section 1.2 — Your Jobs up to 10 jobs · per-job pre-tax deductions
Section 1.3 — Your Portfolio allocation · balances · returns
Asset Allocation
%
Expected annual price appreciation: %
Dividend yield (on top of price return): %
%
Expected annual price appreciation: %
Dividend yield (on top of price return): %
Dividend handling:
Allocation Total
100%
Blended Return
6.4%
Blended Dividend Rate
0.00%
Current Account Balances
Account
Current Balance
Rate of Return
Additional Annual Contribution
Savings / Emergency
$
%
—
401(k) / 403(b)
$
%
blank = blended —
$
above job 401k
Roth IRA
$
%
blank = blended —
$
Brokerage / Other
$
%
blank = blended —
—
Portfolio Net Worth (excl. real estate)
$0
Emergency Months
Emergency Fund Target (Yr 1)
$0
Section 1.4 — Alternative Investments (PE / VC) PREMIUM
Capture private equity and venture capital commitments. Calculations will be added in a future release.
Social Security optional
Enter your estimated monthly benefit from SSA.gov for each claiming age. Leave blank if not applicable.
Person A — Social Security
$
$
$
Income & Portfolio Projection — years
Net Spendable (Yr 1)
$0
After taxes & pre-tax deductions
Net Spendable (Retirement)
$0
Final working year
Projected Portfolio @ Retirement
$0
Excludes real estate
Income (through retirement + 30 yrs / age 90)
Revenue shows W‑2, rental, employer match, and portfolio dividends. After payroll taxes and pre-tax deductions, the bottom line is net spendable income. Lifestyle and housing expenses live on the Expenses tab — the Summary section compares the two to show your annual surplus or deficit.
Income Table
✓ Up to date
Lifestyle Expenses housing pulled from Properties tab
Enter the monthly cost — annual is auto-calculated as monthly × 12. Edit any field to update projections instantly.
Category Monthly Annual (monthly×12) Inflation Year 1
Default categories cannot be deleted — set to $0 to remove from projection.
Expense Summary
Year-by-Year Expense Detail
✓ Up to date
✓ Up to date

Summary

Full snapshot of your plan. Resolve any warnings below before continuing to Models.
Plan Viability
—
—
Section 1 — Financial Baseline Recap
Personal Profile
Portfolio & Allocations
Current Account Balances & Returns
Account Runway
Section 2 — Income & Portfolio Projection by Bucket
Section 3 — Net Worth Projection & Real Estate

Charts and summary tables come from your inputs and this app's projection engine—the same figures as CSV export.

Left axis (bars): annual operating surplus (above $0) and deficit cash draw (below $0). Right axis (lines): total net worth (financial accounts + all modeled property equity). Portfolio = savings + 401(k) + Roth + brokerage + modeled equity in non–primary-home real estate only (investment/vacation). Primary home equity is included only in total net worth. Deficit draws: cash out of accounts after net spendable; 401(k) draws net of assumed withholding.

Real Estate Detail
Section 4 — Validation Alerts & Warnings
Section 5 — Full projection detail matches Download CSV · years as columns
Table: same numbers as ⇓ Download CSV, grouped · row order is optimized for Revenue → Payroll → Cash revenue → Expenses tab → surplus (CSV uses a simpler row order). Chart: modeled operating surplus (= net spendable − Expenses‑tab total) per year.
Section 6 — Year-1 Cash Routing automatic
Surplus fills emergency savings first, then brokerage. Deficit years draw from accounts in your chosen waterfall order.
Step 0 · Inputs
Cash revenue (net spendable)$0
Total expenses (Expenses tab)$0
Operating surplus / deficit (Yr 1)$0
Step 1 · Fill Emergency Savings
Top up savings to reach $0 (3 months expenses).
$0
Current savings: $0
Step 2 · Invest Excess
Anything left over flows to your brokerage / taxable investments.
$0
Compounds at the blended return.