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.
Models
Run "what-if" financial models on top of your plan data. Models use the inputs you've already entered — no re-entry needed.
Retirement Cost NPV
Present value of projected lifestyle + housing costs from your plan (Section 5 expense rows). Lump sum needed today = NPV of all future costs at your cost-of-capital rate.
%
Real or nominal rate — must match how you read the expense projections.

Social Security Selection
Compares every combination of SS start ages (62, 65, 67) for you and your partner. Shows the projected portfolio value at each milestone age and recommends the start age that maximises long-term wealth — accounting for portfolio drawdown before SS begins.
Portfolio Allocation Optimizer
Searches for the equity / fixed-income split that minimises your retirement age while keeping the plan solvent through retirement + 30 years. A separate post-retirement mix is also computed to balance growth vs. volatility. Social Security start age is co-optimised when SS amounts are entered.
Uses a grid search over equity allocations 0 – 100% in 5% steps and SS start ages (62 / 65 / 67).