Retirement Planner

Spending by category

Percentile fan chart (net worth, today's money)

Maximum sustainable spending

Finds the largest uniform scaling of your planned expenses that still works (similar to consumption smoothing).

Lifetime consumption smoothing

Finds the highest constant discretionary spending (today's money, every year of life, on top of essential expenses) that your resources support, leaving the legacy you choose. Applying it switches the withdrawal strategy to "consumption smoothing".

Replay a historical sequence

Taxes, IRMAA and marginal rate

RMDs and Roth conversions

Tax optimizer

Searches 40 combinations of withdrawal order × Roth-conversion strategy × capital-gains harvesting (average returns) and ranks them. Funded plans rank first.

Estate & legacy

Federal estate tax: $15M exemption per person (2026, indexed), 40% rate, portability assumed for couples. State estate tax: 2026 exemptions, top rate applied to the excess (an upper-bound estimate). Heirs' income tax on inherited pre-tax accounts uses the rate in Plan inputs.

Roth conversion strategy explorer

Each strategy converts during the window set in Plan inputs → Roth conversions. Estate is after an assumed heir tax rate on pre-tax accounts.

Scenarios

Every saved plan is a scenario. Use Duplicate to make a what-if, change it, then compare.

Track actual progress

Record your real net worth periodically (e.g. monthly or quarterly); each entry is compared with what this plan projected for that date.

Import transactions

Instead of bank sync: export CSVs from your bank or card (Date, Description, Amount, or Debit/Credit, plus an optional Category) and load them here. Repeated imports are merged and duplicates skipped. Everything stays in your browser.

Transactions