Profile & Ages
$
$
$
Conservative ← → Aggressive
{{ inputs.returnRate }}%
Standard
🔥 FIRE
Monthly Expenses
$
Ends at mortgage payoff age
$
$
Ends at child's school age
$
$
$
Monthly Total (Now)
${{ fmt(monthlyTotal) }}
Including all expenses
Retirement Monthly
${{ fmt(retirementMonthly) }}
After temp expenses end
Annual (Retirement)
${{ fmt(retirementAnnual) }}
Before tax inflation adj.
Rule of 33 Number
${{ fmt(rule33) }}
+20% tax / inflation adj.
Expense Breakdown
Temporary vs Lifetime
Current monthly expenses
Temporary (Mortgage + Daycare)
Will end before/at retirement
${{ fmt(tempExpenses) }}/mo
Lifetime Expenses
Continue through retirement
${{ fmt(lifetimeExpenses) }}/mo
📌 Rule of 33 multiplies your retirement annual spend by 33x
📌 +20% buffer added for taxes & inflation
📌 Temporary expenses excluded from retirement calc
📌 Years to retirement: {{ yearsToRetirement }}
Investment Growth Projections
Portfolio value trajectory from now through retirement and beyond
Projection Settings
Historical avg ~3%
{{ inputs.inflationRate }}%
{{ s }}
Portfolio at Retirement
${{ fmt(projectedRetirementValue) }}
Base scenario
Real Value (Inflation Adj.)
${{ fmt(realRetirementValue) }}
Today's dollars
Drawdown Duration
{{ drawdownYears }} yrs
Until age {{ inputs.lifeExpectancy }}
Safe Withdrawal (4%)
${{ fmt(safeWithdrawal) }}/yr
Annual from portfolio
Portfolio Growth Over Time
Portfolio Allocation
% in equities
{{ alloc.stocks }}%
% in fixed income
{{ alloc.bonds }}%
% in alternatives
{{ alloc.alts }}%
Stocks {{ alloc.stocks }}%
Bonds {{ alloc.bonds }}%
Alts {{ alloc.alts }}%
Glide Path Strategy
Income Streams & Social Security
Estimate all retirement income sources
Social Security Estimation
Age {{ a }}
Claiming at 70 maximizes benefit (~32% more than 67)
$
ESTIMATED MONTHLY BENEFIT
${{ fmt(ssBenefit) }}
Annual: ${{ fmt(ssBenefit * 12) }}
Healthcare Cost Estimation
{{ h }}
PRE-MEDICARE (Monthly)
${{ fmt(preMedicareCost) }}
POST-MEDICARE (Monthly)
${{ fmt(postMedicareCost) }}
LIFETIME TOTAL (est.)
${{ fmt(lifetimeHealthcare) }}
LTC ESTIMATE
${{ fmt(ltcCost) }}
Retirement Income Streams
{{ stream.name }}
{{ stream.detail }}
${{ fmt(stream.amount) }}/mo
Total Monthly Income
${{ fmt(totalRetirementIncome) }}/mo
MONTHLY GAP / SURPLUS
{{ incomeGap > 0 ? '-' : '+' }}${{ fmt(Math.abs(incomeGap)) }}
Tax Optimization
Traditional
Roth
Mix
TAX DRAG (Traditional)
${{ fmt(taxDrag) }}/yr
ROTH ADVANTAGE (lifetime)
${{ fmt(rothAdvantage) }}
Monte Carlo Simulation
10,000 randomized scenarios stress-testing your retirement plan
Simulation Parameters
{{ n.toLocaleString() }}
Standard Deviation
{{ mcVolatility }}%
Success Probability
{{ mcSuccessRate }}%
Success
Simulation Fan Chart
Real Estate Planning
Mortgage payoff, downsizing, and rental cash flow analysis
Mortgage Payoff Timeline
$
APR{{ re.rate }}%
{{ t }}yr
Monthly Payment
${{ fmt(mortgagePayment) }}
Total Interest
${{ fmt(totalInterest) }}
Rental Cash Flow Analysis
$
$
$
Net Cash Flow/mo
${{ fmt(re.rentalIncome - re.rentalExpenses) }}
Cap Rate
{{ re.propertyValue > 0 ? ((re.rentalIncome*12 - re.rentalExpenses*12) / re.propertyValue * 100).toFixed(1) : 0 }}%
Annual Net
${{ fmt((re.rentalIncome - re.rentalExpenses)*12) }}
Payback Period
{{ re.rentalIncome > re.rentalExpenses && re.propertyValue > 0 ? Math.round(re.propertyValue / ((re.rentalIncome-re.rentalExpenses)*12)) + ' yrs' : 'N/A' }}
Retirement Phases
Model spending and needs across each life chapter
Life Phase Timeline
Working
Age {{ inputs.currentAge }}–{{ inputs.targetAge }}
{{ yearsToRetirement }} years
Go-Go
Age {{ inputs.targetAge }}–{{ inputs.targetAge + phases.goGo }}
{{ phases.goGo }} years
Slow-Go
Age {{ inputs.targetAge+phases.goGo }}–{{ inputs.targetAge+phases.goGo+phases.slowGo }}
{{ phases.slowGo }} years
No-Go
Age {{ inputs.targetAge+phases.goGo+phases.slowGo }}+
{{ phases.noGo }} years
Go-Go Years
vs base retirement{{ phases.goGoMult }}x
Monthly Spend
${{ fmt(retirementMonthly * phases.goGoMult) }}
Travel, activities, etc.
Slow-Go Years
vs base retirement{{ phases.slowGoMult }}x
Monthly Spend
${{ fmt(retirementMonthly * phases.slowGoMult) }}
Reduced travel, more home
Assisted Living / No-Go
$
Total LTC Cost
${{ fmt(phases.ltcCost * phases.noGo * 12) }}
Long-term care reserve needed
Phase Spending Comparison
AI Retirement Insights
Personalized analysis powered by your data
Readiness Score
{{ readinessScore }}
/ 100
{{ cat.name }}
{{ cat.score }}/25
Spending Anomaly Detection
{{ anomaly.icon }}
{{ anomaly.label }}
{{ anomaly.detail }}
{{ anomaly.status }}
Personalized Recommendations
{{ insight.title }}
{{ insight.body }}