Retirement
Will your money last?
A month-by-month simulation of your accounts, income, taxes and spending — stress-tested against 500 possible futures and every real market since 1928.
One plan, 120 possible futuresAn illustration — the app runs 500 against your own numbers
–%of these futures last
How it works
A plan built from your real numbers.
Not a generic calculator. It reads the accounts, income and spending already in the app, then projects them forward to the age you choose.
- Projected net worth and the estate you'd leave, year by year
- A safe-withdrawal view: what you can spend without running out
- Retirement accounts priced today — 401(k), IRA, brokerage, HSA
- Taxes modeled through retirement, not ignored
Stress-tested, not a straight line.
A single average return is a comforting lie. Real markets crash, recover and vary — so the plan runs against hundreds of them.
- Monte Carlo across hundreds of futures, with a plain success rate
- Backtested against every real market sequence since 1928
- A safety buffer and the lowest point your balance is likely to hit
What-if, side by side.
Retire at 55 instead of 65? Save $200 more a month? Model it and compare the scenarios on one chart.
- Multiple named plans you can compare at once
- Adjust age, savings rate, returns and spending and see it move
- An investor-grade PDF report at the end
All of it on your device
Your income, your balances and your plan never leave your device and your own iCloud. There is no server of ours modeling your retirement, and no advisor on the other end — just the math, run where your data already lives.
Find out if your money lasts.
Free — and free for life if you download now.
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