Take Control Of Your Retirement Income In Just 4 Steps
Backed by cutting-edge financial research, our tool puts advanced statistical methodology at your fingertips, guiding you through a proven strategy that maximizes your retirement security while keeping it simple enough for anyone to follow.
Step 1: Get Started in Minutes
You can register using your email address, and we'll send you a quick confirmation link to verify your account and get you started.
If you prefer instant access, simply sign in with your existing Google, Microsoft, or Apple account with just one click—no passwords to remember and no confirmation needed.
Your personal information is secure and never shared with third parties.
Step 2: Build Your Retirement Scenario
Start by entering basic information for you and your spouse or partner, including names, birthdates, and marital status. This helps us create personalized calculations that reflect your unique household situation.
Next, you'll establish when you'd like to retire and start drawing from your retirement savings. You'll also choose when to begin Social Security benefits and enter your estimated monthly amount, which you can find on your SSA statement at https://ssa.gov/myaccount.
One of the most important decisions is determining your planning horizon—how long your money needs to last. Our calculator uses actuarial data to help you choose based on your preferred confidence level, whether you want a 90%, 95%, or 99% chance that you won't outlive your assets.
You'll then list any other income sources you expect in retirement, such as pensions, part-time work, or rental income. Enter details about your investment accounts, including your 401(k), IRA, Roth, and taxable accounts with their current balances.
Finally, choose your income target approach. You can select a fixed amount that maintains the same spending power every year, follow a typical lifecycle pattern with higher spending early in retirement that decreases in middle years and increases again for healthcare needs, or create a custom plan with different targets for different periods.
Step 3: Get Your Personalized Income Plan
We'll show you how to create a foundation of guaranteed, inflation-protected income using Treasury Inflation-Protected Securities (TIPS). You'll see the specific TIPS bonds to purchase, which accounts to buy them in, and how this strategy combines with Social Security and other income sources to meet your target spending goals.
For assets not needed for your secure base, we'll estimate the potential additional income from stock market investments. This includes historical return ranges for broad market index funds, custom projections if you prefer different investment assumptions, and analysis of how your strategy would have performed during major market downturns like 1929, the dot-com crash, or the 2008 financial crisis.
You can test different "what-if" situations by creating multiple scenarios with varying retirement dates, Social Security timing, or income targets. This flexibility allows you to compare results and find your optimal strategy before committing to any particular approach.
Step 4: Implement Your Strategy
Once you've reviewed and refined your scenario, you'll receive detailed implementation suggestions that include specific TIPS purchases with exact bond issues and quantities, account optimization showing which investments to place in which accounts, and a clear timeline for executing your strategy.
Your retirement plan isn't set-and-forget. You can save multiple scenarios to compare different approaches, update your information regularly as your situation changes, and refine your assumptions as you get closer to retirement or as market conditions evolve.
Access your personalized income projections anytime, with all calculations automatically adjusted for market values, inflation and taxes. This ongoing access gives you confidence in your retirement security and helps you make informed decisions about your financial future.