Welcome: This Is a Sample Plan
The household in it is made up, so every chart has something to show. Guided Setup puts in your own numbers in twelve short steps, about ten minutes. What you enter stays in this browser and is sent nowhere.
chance the portfolio runs out before year 50
What the Portfolio Could Look Like
In the Easy view, the plan is tested on real market history since 1871. Spending is trimmed in bad years and raised in good ones, and stays the same as you age. The Enterprise view has the other choices.
Portfolio value at the start of each year, in today's dollars, across 30,000 simulated market futures.
What You Could Spend Each Year
Yearly spending in today's dollars. The guardrails cut or raise it by 10% when the portfolio drifts far enough from plan.
One Future, Year by Year
Taxes Over the Retirement Years
Every future at once, as a band, is in the next card, Taxes and Penalties Each Year. The tax on the next $1,000 counts federal and state income tax and the 3.8% investment income tax on $1,000 more of ordinary income, such as a larger IRA withdrawal. Medicare surcharges (IRMAA) and marketplace premiums are not taxes: they are on the next card, Health Care Over the Retirement Years.
Health Care Over the Retirement Years
Medicare's income-related surcharges (IRMAA) are set by the income of two years before, so a line is crossed two years before its surcharge is paid, and a dollar over a line brings the whole step. Before Medicare, the marketplace credit ends above 4 times the poverty line: under the 2026 rules the plan uses, that is a cliff again, since the enhanced credits that removed it expired at the end of 2025. Income here is the plan's own estimate of modified adjusted gross income. Long-term care is not counted.
Taxes and Penalties Each Year
Federal tax, any state tax and early-withdrawal penalties, on pre-tax withdrawals, taxable-account income and gains, pensions, other income and Social Security. Today's dollars.Your taxes and penalties each year, in today's dollars.
Where the Money Sits Over Time
The typical future's money by kind of account, stacked.
Goals by Priority
Rank the costs that are goals as needs, wants or wishes. Each goal's chance is the chance the plan works with it and every goal above it, and none below: the chance of having it without giving up anything more important.Rank your goals as needs, wants or wishes. Each goal's chance counts that goal and every goal above it.
Save scenarios and line them up side by side on the .
Show the Numbers Behind the Charts
How This Works, and What It Leaves Out
The page runs the same model as the withdrawal-plan report: 30,000 random market futures over 50 years, in today's dollars. Stocks average 7% a year after inflation (bonds 1.8%, cash 0.8%) with realistic ups and downs, less a 0.10% fee. The random draws are fixed, so changing a number moves the result and nothing else.
Both spouses are assumed to live all 50 years. Year 1 is 2027 (he is 46, she is 42). Taxes on withdrawals, long-term care, a survivor's smaller Social Security check and changes in the euro are not included; the report covers taxes and the survivor rule separately. Results vary by about 0.1 point if the random draws change.
"Running out" means the portfolio reaches zero. Income streams that are still paying keep going, at about the "income if the money runs out" figure shown above.
Overview
What comes in, what the household owns, what goes out and what it owes, for any year of the plan. Click any of the four to add to it.
Statements
Where the household stands today: what it owns and owes, what comes in and goes out in a year, and five ratios that sum it up.
Compare Scenarios
Save the plan, change a number on any tab, and save again. Up to five scenarios are lined up side by side.
Save a Scenario
The plan is saved exactly as it is now, with every tab's settings. Change a number on any tab, come back and save again.
Nothing saved yet. Try it: set the inputs you want to test, name the scenario and press Save. Or start with a few examples to see how the comparison looks.
Plan Settings
What this household spends and how the plan behaves: spending and its limits, the spending rule, the stock mix, a survivor's spending and Social Security. The model's assumptions are on the Assumptions tab.What you spend, its limits, the stock mix and Social Security. The model's assumptions are on the Assumptions tab.
People
The adults in the plan. Their birth years set every age: Social Security, Medicare and required withdrawals. You can also test what happens if one of you passes away.
Your Household
One row per person. Click a row to change the name and birth date, or to model that person passing away. One adult uses the single-filer tax tables and Medicare surcharges; two adults file jointly.
Dependents
Children and anyone else the household supports and claims on its tax return. Each one's birth year sets the years they count: for the Child Tax Credit under 17, for the credit for other dependents after that, for head of household filing when there is one adult, and in the household's size for marketplace health coverage.Children and others you support and claim on your taxes. Their birth years decide which tax credits apply, and when.
No dependents. Add a child to count the Child Tax Credit and, for one adult, head of household filing.
Timeline
Every dated thing in the plan on one calendar: when a tax or account rule unlocks, when a check starts, when money arrives or is spent, and any passing away. Chips with a tick box have steps on the Checklists tab: click the box to open them.Every date in the plan on one calendar. A chip with a tick box has steps on the Checklists tab.
How People Are Used
Birth year sets the ages shown everywhere, the year each Social Security claim starts, and how the tax rules for age 65 and older apply. The birth month is shown for reference; the model works in whole years.
Passing away. Model a passing away with the Edit button. From the following year that person's pension and job stop (unless the income is set to keep paying the survivor on the Income tab), and a survivor aged 60 or older gets a survivor's Social Security benefit when it is larger than their own check (the Income tab explains the rules) instead of both checks. Household spending is reduced by the percentage set here, and the survivor takes over the accounts. If both are modeled, spending ends when the second one passes away.
Accounts
What you own and where it sits. With the switch on, the plan takes each year's money from these accounts in a tax-aware order and pays the taxes out of them.
Your Accounts
One row per account. Click a row to change its owner, balance, and mix of stocks, bonds and cash. The arrows reorder the list; the order does not change the results.
529 Education Savings
No accounts yet. Add your first one above, or start from an example of $1.6 million across the usual accounts and change the numbers to yours.
Yearly spending, the spending rule and the stock mix are on the Plan Settings tab.
Income
Every source of money besides the portfolio, each with an owner, a yearly amount in today's dollars, and a start and an end. Employer contributions and inheritances have their own lists below.
Your Income
One row per stream. Click a row to change its owner, amount, and when it starts and ends. The arrows reorder the list; the order does not change the results.
No income streams. Add one above, or restore the Social Security and pensions from the report and change them to yours.
Employer Contributions
What an employer puts into your accounts on top of your pay: a 401(k), 403(b) or 457(b) match or profit share, and HSA contributions. It is not money you can spend, so it goes straight into the accounts and grows with your savings, before and after you retire. Enter it as a share of a job's pay, and it follows that job's years, or as a yearly amount.
No employer contributions. If your employer matches what you put into a 401(k) or adds money to your HSA, add it here so the plan counts it.
Inheritances
Money you expect to receive once, such as from a parent. Each one arrives in a single year and is deposited into the account you choose. It is not income, so it stays off the income chart and grows in the account like the rest of your savings. An inheritance is skipped if the person it is for has passed away by then, and a plan that has already run out of money is not revived.
No inheritances. Add one if you expect money from an estate, and pick the account it goes into.
Home and Annuities
Optional moves that change where the money comes from: sell or downsize the home, take a reverse mortgage, own a rental property, sell a business, or buy a TIPS ladder or an annuity. Each is a row you can open and change, and none is on by default.Other ways to get money: sell the home, a reverse mortgage, a rental, a business sale, TIPS or an annuity. None is on unless you add it.
Nothing yet. Add a home sale to move cash into your accounts, a reverse mortgage to draw on the home, a rental property for its rent, or an annuity to swap a lump sum for income that lasts.Nothing yet. You can add a home sale, a reverse mortgage, a rental or an annuity.
Income by Year
Yearly income from every stream, in today's dollars, stacked by kind.
Assumptions
The assumptions behind every result: when you retire and for how long, what markets do and how taxes work. Amounts are in today's dollars.
Saving for Retirement
The years before retirement: what has to go in each year to spend what you want from the year you want to stop.
The Goal
These are the same three numbers as the rest of the plan, gathered here so you can aim at them.
In today's dollars, before tax is paid from the portfolio.
Chance of running out. Shared with the Strategy tab.
How This Is Worked Out
The yearly saving is found by running the whole plan again and again, raising the amount put away until the chance of running out falls to the limit you set. The same search moves the retirement year instead, holding the end of the plan fixed, so retiring earlier has to pay for a longer retirement. The search itself runs on 6,000 market futures to keep it quick; every answer it lands on is then re-checked against all of them, and raised if it does not hold there, so what you see always meets your limit on the full set.
Savings go in at the split set on the Assumptions tab, and they can be set to rise each year in real terms there as well. The contribution room shown uses this year's US limits at your ages today; it is a check on whether the amount is reachable, not part of the simulation.
An employer's 401(k) match or HSA contribution entered on the Income tab goes in on top of what you save, so the amount found here is what you have to put away yourself. What it cannot know: whether your job lasts, whether pay rises, or whether you would really put that much away for a decade. It also assumes the money keeps its mix through the working years, and that nothing is drawn before the retirement year.
Withdrawal Strategy
Which withdrawal strategy suits this household? Each choice is run on the same 30,000 market futures as the plan, and nothing changes until you apply it.
What Matters Most
This sets how the options are ranked. It is your judgement about the household, not a setting the model can work out.
How This Is Worked Out, and What It Cannot Know
Each decision is tested on its own, with everything else held at your current plan, and every option is run on the same 30,000 market futures. The winners are then applied together and run once more, so the headline at the top is a real result and not the sum of separate ones.
Options are ranked on five measures: the chance of running out, typical lifetime spending, lifetime spending in the unlucky 1 future in 20, how often spending falls to your floor, and the amount left at the end. The unlucky figure is what keeps the ranking honest: without it, anything that lifts the middle wins, however thin it leaves the bad case. "What matters most" sets their weights. The chance of running out is scored as a budget — how much of the limit you set an option uses up — and anything above that limit is ranked below every option that stays inside it. When the leader is ahead of your current setting by too little to be meaningful, the plan is left alone.
It cannot know about health, a business, a job that might come back, family help, how you would really feel about a 20% spending cut, or any law that changes after the yearly figures in use. A ranking of model results is a starting point for a conversation.
Cash Flow
Where the money comes from and where it goes, for any year of the plan, in the typical (median) future and today's dollars.
Where the Money Goes in One Year
Pick any year, working or retired. Every source of money is on the left, then the kind of money it is, what is left after taxes, what it pays for, and each item on the right. Income is blue, employer contributions teal, your investments green, taxes grey, expenses orange and debts purple. Hover a band or a bar for its amount.
Yearly, in today's dollars, with anything that depends on the markets at its typical (median) value. Retired years show the same figures as the Overview tab: the withdrawal is what the year needs once income is counted, and tax is the plan's own, with the accounts switched on. Working years show what you save (set on the Assumptions tab) and what employers pay in (the Income tab). The plan does not tax working pay, so taxes there are an estimate from the plan's tax tables plus payroll tax, or self-employment tax with its deductions, and everyday living is what is left.
Monthly Money Check
Before you retire, does pay after tax cover the debt payments, the costs, the saving the plan counts on and everyday living? A month at a time, for each working year.
Everything not on the Expenses and Liabilities tabs: rent, food, utilities, getting to work, phone, childcare. Bank statements show it. It is kept with the plan and changes none of its figures.
What to Do First
Where spare money usually goes first, step by step, checked against your own numbers. Each step names its source.
What you can put into savings each month. It starts at what the Monthly Money Check leaves over, and changes nothing in the plan.
Where Each Year's Money Comes From
Income streams and portfolio withdrawals in the typical future, stacked by source.
Investments
What you hold, what goes in each year, and how the portfolio grows and is drawn down, in today's dollars and the typical (median) future.
Your Investments Over Time
Insights
A briefing on the plan: how well it holds up, what stands out, and your own goals, notes and lists.
Observations
What Stands Out
Each line looks at one number in the plan. Items marked Act come first. They are prompts for a conversation.
Sensitivity
What Moves the Result Most
Each row changes one thing by a small amount, keeps everything else, and runs the simulation again on the same futures. The longer the bar, the more the chance of running out changes. They show where to focus, not what will happen. It takes about 10 seconds, and about a minute when the accounts are switched on.
04 · Goals
Goals
Set a target and see whether the plan meets it in the simulation.
No goals yet. Add one above to compare the plan with it.
Tools
Calculators that each stand on their own. None changes the plan unless you press a button such as "Use in the Plan". The most used come first.
In the Learn view you see the tools for a first paycheck, a budget, saving, loans and school; Show All Tools brings back the rest.
Investment Calculator
Choose what you want to find and fill in the rest. The answer updates as you type.
The return is the same every year and there are no taxes or fees, so this is a what-if, not a forecast. Amounts are in the dollars you enter: use a return after inflation to see today's buying power.
How It Grows
Balance at the end of each year, split into what you started with, what you added and what it earned.
Accumulation Schedule
Retiring Abroad
What a move would ask of this plan: whether your income clears the visa's money test, what the same standard of living costs there, how long until you could stay for good, and the one rule in each country that changes a US retirement most.What a move abroad would mean for this plan. Does your income meet the visa rule? What does the same life cost there? How long until you can stay for good? And the one rule there that matters most.
What This Does and Does Not Do
No Foreign Tax Is Worked Out Here
Every number on this page is still the US plan: US tax, US rules, dollars. What a country would charge on a pension, an IRA withdrawal or a Roth depends on its own law, its treaty with the US, and which special regime you elect, and the answer moves by tens of thousands of dollars on details this page cannot see. So the table below tells you what to go and ask about, with the source next to each country, and leaves the arithmetic to whoever files your return.Every number here is still the US plan: US tax, US rules, dollars. Tax abroad on a pension, an IRA or a Roth depends on each country's law and its treaty with the US. The table tells you what to ask about. Leave the math to whoever files your return.
The table is data, not code. Download it, edit it in a spreadsheet, load it back, and the page uses yours instead. Keep the header row as it is; rows whose numbers do not parse are skipped and the rest still load.
The Countries
Ordered cheapest first. Select one for the detail, the source and the date it was checked.
Cost is the World Bank price level index for household consumption, 2025, with the US at 100. It is a whole-economy average and moves with exchange rates as much as with local prices, so treat it as orientation with a wide band. Visa figures are what the rule asks of income; savings often substitute, and the note under each country says when.
Before You Hire an Advisor
The questions to ask a financial advisor before you sign, and the checks to make, with room for each advisor’s answers. Untick what you do not need, reword anything, add your own, and download it as a PDF to take along or fill in by hand.
The Checklist
Ticked items go in the PDF. Edit any line in place; your wording, your own questions and the answers stay in this browser.
Expenses
Your yearly spending, as one amount or line by line in a budget, and the costs on top of it, such as health cover, education, giving or travel. All in today's dollars, each with a start and an end.
Your Spending Budget
Your everyday spending, line by line. Mark each line a Must or Flexible; with the switch on, the total sets the plan's yearly spending and the Musts set its floor. The expenses below come on top.
Budget by Group
What each group adds up to in a year, in today's dollars. The darker part is Must, the lighter part Flexible.
Budget by Year
The budget in each year of retirement, as its lines start and end, in today's dollars.
Your Expenses
One row per expense. Click a row to change its owner, amount, and when it starts and ends. The arrows reorder the list; the order does not change the results.
No expenses yet, so the plan pays only your yearly spending. Add one above, or add a few examples and change them to yours.
The Pay This Lifestyle Needs
The yearly pay before tax that covers this year's spending, the expenses above, the saving the plan makes and the taxes on that pay, next to the pay on the Income tab. Nothing in the plan changes.
Expenses by Year
What the expenses cost each year, in today's dollars, stacked by kind.
Liabilities
Everything the household owes. Each debt is paid down year by year, and its payments count as spending on top of your yearly amount.
Your Liabilities
One row per debt. Click a row to change its balance, rate, and how it is repaid. The arrows reorder the list; the order does not change the results.
No debts entered, so the plan assumes the household owes nothing. Add a mortgage or a loan above.
What Is Left to Pay
The balance on each debt at the start of every year, in today's dollars. Where a line reaches the floor, that debt is paid off and its payment stops.
Debt Calculator
Which balance to clear first, what each debt costs while it sits there, and what a little more each month would buy. This is a what-if: it changes nothing in your plan until you ask it to.
On top of the payments already set. It all goes to one debt at a time, and moves to the next as each one clears.
A bonus or a tax refund, paid today against the first debt in the order.
Consolidate or Transfer?
Two offers that arrive in the mail, set against paying your cards and loans as they are. A what-if: nothing in the plan changes. Mortgages and student loans stay out.
The starting figures: the Federal Reserve's average on a 24-month bank personal loan (11.86%) and on cards that charge interest (22.15%), both for the second quarter of 2026; a 5% fee on each; 18 months at 0%. Put in the offer you actually have.
Progress
What actually happened. Take a snapshot of balances and debts once a year to see your net worth over time and how you track against the plan.
Net Worth Over Time
Each snapshot, with what the plan expected the investments to be by then.
Checklists
What to do, and by when, around losing a job, retiring, a death in the family and the birthdays that open or close a door. Ticks are saved with the plan.
Reports
Every report in one place, each a PDF made in one click from the plan as it is now: meeting packs, client reports on one subject, and papers for your own file.
Files cannot be saved from this view. Open the page on its own to download the PDFs.
Meeting Packs
A cover, the sections you tick, and the important information, in one PDF. Untick a section to leave it out; the choice is saved in this browser.
Client Reports
One subject each, with the cover and the important information.
For the Financial Planner
Working papers for before and after the meeting. Each page is marked for the planner only.
Lessons
Personal finance for students, in short lessons: a reading, numbers to try yourself and a quick check in each. Progress stays in this browser.
About
Who made this planner and how, which version you are using, what it does, and what it is not.
PurpleTeam Financial Planner
Designed by Stefan Waldvogel, FPWMP®
For educational purposes only: not financial, tax, legal or investment advice. Every result is an estimate from a model. The details are under Important Information.
About the Designer
Stefan Waldvogel, FPWMP®Cybersecurity professionalSIEM and detection engineerFinancial Planning & Wealth Management Professional
Stefan Waldvogel is a cybersecurity professional with more than three decades in the IT industry. Today he works as a SIEM and detection engineer at a growing startup, turning streams of security data into detections that catch threats early. It is work built on the same habits good financial planning needs: patience, an eye for patterns and a healthy respect for what can go wrong.
He brings that discipline to personal finance. He holds the Financial Planning & Wealth Management Professional (FPWMP®) certification, is adding further credentials as time allows, and may go on to register as a financial advisor in Texas.
In his free time he helps friends step back from the edge of bankruptcy and rebuild toward a stronger financial future, one budget and one plan at a time.
He is fascinated by what AI can do, and he has little patience for software that charges every month. So instead of renting someone else's planner, he built his own: the one you are using now.
What the Planner Does
It shows whether a household's savings, income and spending add up to a retirement that lasts, and what to change if they do not. It is built for households planning their own retirement and for financial professionals preparing a first meeting or a yearly review with a client.
From your data. The people, their accounts, income, expenses and debts, and the assumptions about markets, inflation and taxes make up the plan. The guided setup walks through them step by step.
From a sample. A new plan starts from a sample household: a couple in their mid-forties with $1.6 million invested, two jobs and some self-employment, a typical home with a mortgage, a car loan, credit card debt and a budget of typical costs, who plan to retire in three years. They have a teenager who starts college that year, with a 529 plan, and a few goals ranked on the Plan tab: helping a parent, travel, a remodel and money for their heirs. Replace its figures with yours, or make your own plan the default on the Settings tab.
Across many futures. The plan runs year by year through 30,000 simulated market futures (10,000 if you choose speed in Settings), or through every start year in real market history, with a spending rule, taxes by kind of account, Social Security, Medicare and required withdrawals.
Into decisions. The results show the chance the money lasts, the cash flow and taxes year by year, which withdrawal strategy suits the household and how saved scenarios compare. The tools answer single questions, and the follow-up tabs track progress, list deadlines and make branded reports.
User Guide and Technical Documentation
Two companion pages, kept apart from the planner so it stays one file. They name tabs and tools rather than quote results, so they stay right as the planner changes.
How It Was Built
Made with AI. Stefan designed the planner and directed every step. Claude, Anthropic's AI, wrote the code, working with the Claude Opus 5 and Claude Opus 5.5 models.
In a few days. The main work was done over a few days of conversation. Stefan described what the planner should do, one feature at a time, in plain-language prompts, and reviewed each result. He is a security engineer with a financial planning certification, not a web developer: the code came from those prompts.
Checked by tests. Before each version is published, about 130 groups of automated tests with about 5,000 checks run the calculations and open every tab in a browser. Some of them compare the model against arithmetic worked out separately, and some push it until it breaks; the accuracy card below reports what they found. They check that the planner works as intended.
Checked for security, briefly. In September 2026 the code had a basic security review with the Fable 5.1 AI model. What it found was fixed in version 122; the Security tab says what was checked. It is not an independent audit.
From public sources. Tax brackets, Social Security, Medicare and the other yearly figures come from public sources such as the IRS, the Social Security Administration and CMS, and the planner lists each figure with its source.
Ready for later years. The calendar follows today's date, and every table the planner reads is on the Actual Data tab, where a newer copy can be loaded, edited or downloaded, with a year on every line. Until newer figures are loaded, those that follow prices are carried forward with inflation.
One page, no server. The whole planner is a single web page that runs in your browser. There is no account to create, no advertising and no tracking.
Accuracy
How Wrong Can It Be?
Two different things can be wrong here. The planner can have a figure or a rule wrong, and the future can simply turn out differently. They are not the same size. This card measures both on the plan you have open, so you can see which one deserves your attention. Each row runs the whole plan again, so it takes about half a minute, or a minute with the accounts switched on.
What Was Checked by Hand
These do not depend on your plan. Each is a test that runs before every version is published, comparing the model against arithmetic worked out separately.
- Growth and costs are exact. Twenty years of compounding, with and without a fund fee, come out to the dollar against the closed-form answer, at every rate tried.
- Spending is taken mid-year. A year's spending leaves the portfolio in the middle of the year — exactly halfway between paying it all in January and all in December. Against twelve real monthly withdrawals that convention is worth about $14 a year on $70,000 of spending, at a 7% return.
- The tax response is the arithmetic. A point on every tax rate costs a point of taxable income; a tenth off the standard deduction costs exactly the marginal rate on it.
- Claiming factors are the statute. 70% at 62, 100% at full retirement age and 124% at 70, and when the full retirement age moves, every age still pays what the law's formula says, to five decimal places.
- Nothing is random between runs. The same plan gives the same answer every time; the simulated futures are fixed, not redrawn.
What the Answer Cannot Tell You
The chance of running out counts simulated futures, so it moves one future at a time: with 30,000 of them, one is 0.003 points (0.01 with the 10,000 that Settings offers for speed). A spending rule with guardrails makes it a step, not a slope, so a change far too small to matter can still nudge it either way. Treat anything under a tenth of a point as noise, and watch the typical money left as well — it moves smoothly where the chance does not.
Security and Privacy
A basic security check, not an audit. In September 2026 the code was reviewed with the Fable 5.1 AI model for the usual weaknesses of a web page: text from a file or a box reaching the page as code, unsafe links, formulas slipped into downloaded spreadsheets, and data sent elsewhere. It found one medium issue (a state name in a loaded table could reach the page as code) and one low one (a progress note could become a spreadsheet formula), both fixed in version 122, and it confirmed that loaded files are cleaned, links open safely and nothing is sent off the device.
No audit and no penetration test. Nobody independent has reviewed or attacked the planner. Treat it as a personal planning tool, not as software built to protect sensitive data.
Your data stays in this browser, unencrypted. Plans and settings are saved in this browser's own storage and are sent nowhere unless you download or share them yourself. Anyone who can use this browser on this device can see them, and an ordinary backup file holds everything in plain text. Settings can seal a backup with a passphrase instead (AES-GCM), shows each backup's SHA-256 fingerprint, and lists every address the page has contacted. The page loads nothing from elsewhere, not even fonts: it uses the ones already on your device.
Keep it simple and safe. The planner never needs account numbers, Social Security numbers or passwords, so do not enter them. Use it on a device you trust, and on a shared computer delete everything from the Settings tab when you are done.
Important Information
This planner is for educational purposes only. It is not financial, tax, legal or investment advice, and it does not replace advice from a qualified professional who knows your full situation.
Every result is an estimate from a model, not a prediction or a guarantee. Actual returns, inflation, taxes, laws, health and lifespans will differ, and a "chance of running out" is a measure produced by the model, not a probability that applies to any one person.
Tax rules are simplified and held at the yearly figures in use. Social Security, Medicare and other benefit rules can change. Check each rule at its source before you act on it.
Review the plan at least once a year, and whenever your situation, the markets or the law change.
Terms of Use
Free, and as is. The planner is free to use and is provided "as is" and "as available", without warranties of any kind, express or implied, including warranties of accuracy, completeness, merchantability, fitness for a particular purpose and non-infringement.
No advice and no relationship. Using the planner does not make anyone a client of the designer or create an advisory, fiduciary or other professional relationship. Nothing in it is a recommendation to buy, sell or hold any security, fund, annuity or insurance product.
Limitation of liability. To the fullest extent the law allows, the designer and everyone who helped build the planner are not liable for any loss or damage of any kind, whether direct, indirect, incidental, special or consequential, that arises from using it or from relying on its results, even if told that such loss was possible. Where the law does not allow a limit, it applies as far as the law does allow.
Your responsibility. You use the planner at your own risk and remain responsible for your own decisions. Check each figure against its source, and with a qualified professional, before you act on it. A financial professional who uses it with clients is responsible for their own advice, for reviewing every report and for their own regulatory obligations.
Changes. The planner and these terms may change, or the planner may be withdrawn, at any time and without notice. By using it you accept these terms; if you do not accept them, please do not use it.
Trademarks and Credits
Independent. PurpleTeam Financial Planner is an independent, non-commercial project. It is not affiliated with, sponsored by or endorsed by any company, fund, index provider, government agency or other planning software named in it.
Names used only to identify. Names of products, funds, indexes, strategies and organizations appear only to say which published method, data source or portfolio mix is meant. Permanent Portfolio® is a registered trademark of Pacific Heights. S&P 500® is a registered trademark of Standard & Poor's Financial Services LLC. FAFSA® is a registered trademark of the U.S. Department of Education. Bogleheads is a trademark of The John C. Bogle Center for Financial Literacy. Shiller Barclays CAPE® index names are trademarks of Barclays Bank PLC; the planner uses the CAPE ratio from Robert Shiller's published data and has no connection with those indices. Vanguard, Fidelity, Schwab and College Board are trademarks of their owners, and Claude is a trademark of Anthropic. All other names belong to their owners.
Data and fonts. Tax, benefit, health and life-table figures come from US government publications such as those of the IRS, the Social Security Administration, CMS and the National Center for Health Statistics. Market history comes from Robert Shiller's published data, gold prices from the World Bank's commodity prices as republished on datahub.io, and the portfolio records from Portfolio Charts. Each table on the Actual Data tab names its source. The page uses your device's own fonts, its system interface font and its monospace font, so it downloads none.
Own work. The code was written for this planner; no code, text or design was copied from other planning software, and each strategy follows its published description, with the source named beside it. If you believe something here infringes your rights, please tell the designer, and it will be reviewed and corrected promptly.
Settings
The plan a first visit opens, how the planner looks and behaves, and sample households to try. These settings belong to this browser, not to a plan, so opening another plan keeps them.
Default Plan
The plan a first visit opens, Reset brings back, and every result is compared with.
Appearance
Light or dark colors. Automatic follows your device.
Opening Tab
Where the planner opens when you come back to it.
Simulation
How many market futures each run draws. More futures, steadier numbers; fewer, a faster answer.
Motion
Animations, moving highlights and smooth scrolling.
Keyboard
Shortcuts for the search, Undo and every tab: g then a letter goes to a tab, [ and ] step through them. Press ? outside a text box to see the list.
Sample Households
Households that show what the planner does for different lives: a young family budgeting and saving for a home, a wealthy couple retiring early, a typical couple at 55. Loading one replaces the plan that is open; Undo brings it back.Sample households, each a different life. A young family saves for a home. A wealthy couple retires early. A typical couple is 55. Loading one replaces the open plan. Undo brings it back.
Reports and Downloads
Every PDF and CSV file the planner makes carries a disclaimer: the Important Information page and a footer line in the reports, and a line at the top of each CSV file. It is on unless you switch it off here.Every PDF and CSV file the planner makes carries a disclaimer. Reports get a page and a footer line; each CSV file gets a line at the top. It stays on unless you switch it off here.
Only a financial professional who checks every report for accuracy can switch it off. The disclaimer on the About tab always stays.
Data in This Browser
Everything the planner keeps is saved in this browser and nowhere else. Back it up to one file to keep a copy or to move it to another computer or browser.
Each backup shows its SHA-256 fingerprint, and a backup you restore shows its own before anything is replaced: the two match only if the file is unchanged. An encrypted backup is sealed with a passphrase (AES-GCM with a 256-bit key made by PBKDF2 with SHA-256 and 600,000 rounds, the number OWASP recommends); without the passphrase nobody can open it.Each backup shows a fingerprint. When you restore it, compare the two: they match only if the file is unchanged. An encrypted backup is locked with a passphrase. Without the passphrase, nobody can open it.
What This Page Has Contacted
The planner's own code cannot send anything: it has no fetch, XMLHttpRequest, WebSocket or beacon. The page uses your device's own fonts, so the browser has nothing to fetch for it either. This list is what the browser itself reports (Resource Timing) for this page since it opened. The page around it, such as claude.ai, is not in it.
Actual Data
Every table the planner reads, from tax brackets to the life table. Each ships with the page and can be replaced by your own copy: load a newer file, edit it here, or download it.
How the Tables Work
Built-in or yours. A table you load or edit is kept in this browser and used from then on. Switch back to the built-in copy at any time; yours is kept until you delete it. Backups on the Settings tab include your tables.
A year on every line. Every table has a year (or a date) on each line, so next year's figures go in beside this year's instead of over them. The planner uses, for each item, the newest year up to the year it needs.
In later years. The calendar follows today's date. When the newest figures are older than the plan's first year, those that follow prices are carried forward with the plan's inflation, and the plan says so. Loading the new year's figures replaces the estimate.
Capabilities
What this planner does, where professional software does better, and what each one costs. Compiled in September 2026 from the vendors' own pages and public reviews.
An estimate: prices, features and security claims were read from each vendor's website or public reviews in September 2026, and they change often. More under About the Estimate.
What It Does
One page, for households planning their own retirement and for financial professionals preparing a meeting.
Simulation
30,000 Monte Carlo futures (10,000 for speed), or every historical start year since 1871. Eleven spending rules, among them Guyton-Klinger and risk-based guardrails, Vanguard dynamic spending, VPW, a CAPE-based rate and Hebeler Autopilot, and spending that falls with age (Blanchett's retirement spending smile, or your own rate). Glide paths, a bond tent, a three-bucket strategy, six portfolio presets with a gold sleeve, and TIPS ladders. Stress tests put 2008, 1973–74, 2000–02, 1929–32 or the lost decade at the start of retirement in every future, switched on from the Plan tab.
Taxes
Federal brackets, capital gains, the net investment income tax and the tax on Social Security; the 2025–2028 deductions for seniors, tips, overtime and car-loan interest; state income tax for every state, with each state's own rules on capital gains and a move to another state during the plan; Medicare surcharges and marketplace premium credits. A tax-smart withdrawal order, Roth conversions, required distributions, qualified charitable distributions, 72(t) payments and the rule of 55. Child credits, head of household and survivor filing.
Income
Social Security by claiming age, with spousal and survivor benefits and the earnings test for claiming early while still working; pensions with raises and survivor options; jobs and self-employment with payroll tax; employer matches and HSAs; inheritances, income annuities, a home sale, a reverse mortgage, and rental property with its mortgage, depreciation and sale.
Costs and People
A budget of typical costs, the pay a lifestyle needs (worked back from spending, costs, saving and the taxes on that pay), health care from the marketplace to Medicare, long-term care, college with 529 plans and their move into a Roth IRA, debts, including a mortgage or loan taken out in a later year for a home or car bought then, with a payoff calculator (credit cards at the lender's minimum, with the minimum-payment warning worked out, and a consolidation loan or balance transfer set against the debts as they are), a Monthly Money Check of take-home pay against debts, costs and everyday living before retirement, What to Do First with spare money, a Behind on Bills checklist, student loans with income-driven repayment, PSLF and refinancing compared, and dependents. Life expectancy from Social Security's life table, years one of you may live alone, and one of you dying early.
Results
The chance of running out, also weighed by how long you may live; goals ranked as needs, wants and wishes, each with its own chance; cash flow and taxes year by year; a balance sheet and an income statement; one year's money flow; saved scenarios side by side; sensitivity; a withdrawal strategy guide; progress tracking (with each month’s spending by budget group from a bank file) and checklists.
Reports and Files
Branded PDF reports and meeting packs, the client reports also in Spanish (auto-translated, not checked by a translator), CSV downloads, a calendar file of the plan’s key dates (milestones by age, the dates that come every year and the plan’s own events), the whole plan as a CSV or plan file, plans saved by name, and a backup of everything to move to another computer.
Tools
Sixty-five calculators: company stock in a 401(k) (rolled into an IRA, or taken out as shares with the net unrealized appreciation taxed as a long-term gain), mortgage refinance or pay down (whether a new rate earns back its closing costs before you move, what extra payments save, and paying down against investing), Roth or traditional (the after-tax money at retirement each way, and the tax rate in retirement where they break even), business value from EBITDA (adjusted for the owner’s pay and one-time costs, or seller’s discretionary earnings, times a multiple, less debt plus cash), selling a business (a sale of the shares, of the assets, in installments or to an ESOP, with the tax on each and what you keep), your return against the index (what your own deposits and withdrawals earned a year, money-weighted, against the same money in an index fund since 1928), a paycheck plan (where each month’s pay goes before it is spent, an income to live on when pay goes up and down, a holding account with a cushion, and a rule for every big check, with a share for a debt and how much sooner it is paid), a tax savings checkup (the employer match, the 401(k), the HSA, a Solo 401(k) or SEP-IRA for business income, an IRA and harvesting losses, each with the room left and the tax it saves), health insurance before Medicare (the marketplace after the premium tax credit, COBRA, a spouse’s plan or retiree coverage, and the cheapest way to 65), government and military pensions (FERS with its supplement, CSRS, military High-3 and the Blended Retirement System, state and local, with survivor costs and VA compensation), Social Security from earnings (the benefit worked from an earnings record or this year’s pay, step by step), a backdoor Roth (above the income limit, with the pro-rata rule and the mega backdoor), a pension’s lump sum or monthly payment (the return the lump sum would need, how long it lasts, and what the same income would cost from an insurer), equity pay (RSUs, an ESPP and stock options, with the tax against what is withheld), an ETF analyzer (how common index funds overlap, their fees and risks), an indexed universal life check, credits for low earners (the EITC, the Child Tax Credit, the Saver's Credit and, from 2027, the Saver's Match), Trump Accounts for children, Roth conversions, a historical backtest, a risk tolerance questionnaire, a retirement income style (which of the four income strategies fits), a lifetime withdrawal benefit (an annuity rider’s income, fees and when the insurer pays), a reverse mortgage line of credit (held in reserve for the years after a fall, tested since 1871), deferred compensation payouts (a lump sum or installments, and the state that taxes them), a life policy in retirement (keep, surrender, sell or exchange it), paying for long-term care (savings, a policy, a hybrid or Medicaid), a continuing care community (life care or fee for service), the transition to retirement (readiness beyond the money, a trial run and part-time work), a capital needs analysis (three methods and the saving it takes), Social Security for your family (children and the family maximum), a retirement plan for a small business (SEP, SIMPLE, Solo 401(k), safe harbor and a pension), special needs and ABLE (keeping SSI and Medicaid), dividing assets in a divorce (after tax), married or not (partners who are not married), an inherited IRA (the ten-year rule or a stretch), a Roth conversion ladder (retiring before 59½), a financial product selector, estate and heirs, giving strategies, asset location and tax-loss harvesting, Social Security claiming, annuities, a health plan selector, a student loan optimizer, the Student Aid Index, a leftover 529 (cashed out, or moved into the beneficiary’s Roth IRA year by year), insurance needs, Medicare premiums, tax brackets, required withdrawals, loans, loan offers (the APR with the fee, the total cost, also paid off early, and the payment against take-home pay), savings goals, investment growth, starting early (four starters years apart, each later one putting in more, and the return at which the bigger amounts catch up) and retiring abroad. And a checklist of what to ask a financial advisor before hiring one, with room for each advisor’s answers, as a PDF.
Five Views
Planner, for a financial planner: every tab, and a Planner Setup that walks through the household and the advanced inputs (market assumptions, the investment mix and spending rule, taxes, longevity and stress, the estate) and ends with a reality check and a summary. Easy shows the tabs a household needs, with short hints. Client presents one household's plan in pictures for a meeting. Enterprise shows everything. Learn, for students, holds the 25 lessons and their calculators, with nothing of a plan. All of them work on a phone, where the tabs sit behind a Menu button.
Checked
Before each version is published, about 130 groups of automated tests with about 5,000 checks run the calculations and open every tab in a browser. Many compare the model against arithmetic worked out by hand.
Every Feature, Ranked
Everything the planner does, from what matters most to most households to the special tools. The order is our judgment of importance, not a measurement.
What It Can Be Used For
- Retirement planning. Will the money last, when to retire, when to claim, how to draw it down.
- Financial planning before retirement. Saving, debts, a first home, college, job changes and equity pay.
- Budgeting. A budget line by line and the pay a lifestyle needs.
- Tax planning. Brackets, Roth conversions, the backdoor, required withdrawals and where to hold each fund.
- Estate and giving. What heirs keep, gifts and charity.
- Meetings with clients. Reports, the Client view and the Planner Setup’s reality check.
| Rank | Feature | What it does | Where |
|---|---|---|---|
| 1 | The chance the money lasts | Every plan run through 30,000 simulated market futures, or every start year since 1871, with the chance of running out also weighed by how long each of you may live. | Plan |
| 2 | Social Security | Claiming ages, spousal and survivor benefits, the earnings test while still working, and a cut to test; the benefit worked from an earnings record. | Income, Tools |
| 3 | Taxes, year by year | Federal and state income tax for every state, capital gains, the net investment income tax, tax on Social Security, Medicare surcharges and marketplace credits. | Accounts |
| 4 | Spending rules and guardrails | Eleven ways spending can follow the markets, between a floor and a ceiling, and spending that falls with age. | Plan Settings |
| 5 | Accounts by tax type | Pre-tax, Roth, HSA and taxable accounts, drawn in a tax-smart order, with required withdrawals. | Accounts |
| 6 | Health care until and after 65 | Marketplace cover with its credit before Medicare, COBRA, retiree plans, Medicare and its surcharges; what retiring early costs in health insurance. | Expenses, Insights, Tools |
| 7 | Income streams | Jobs and job changes, self-employment, pensions with their raise and survivor rules (FERS included), annuities, rent, a reverse mortgage. | Income |
| 8 | Roth conversions | Conversions that fill a tax bracket or a set amount, and what they save later. | Accounts, Tools |
| 9 | Tax savings checkup | The tax moves still open this year, in order: the employer match, the 401(k), the HSA, a Solo 401(k) or SEP-IRA, an IRA and harvesting losses, each with the room left and what it saves. | Tools |
| 10 | Roth or traditional | Pre-tax or Roth for the next dollar saved: the after-tax money at retirement each way, and the tax rate in retirement where they break even. | Tools |
| 11 | Company stock and NUA | Employer shares in a 401(k): rolled into an IRA, or taken out as shares with the cost basis taxed now and the rise taxed as a long-term gain. | Tools |
| 12 | Goals by priority | Needs, wants and wishes, each with its own chance, and a legacy goal. | Plan, Insights |
| 13 | Saving before retirement | What is saved, the employer match, and the saving or the retirement year a goal needs. | Saving |
| 14 | Budget and the pay it needs | A budget line by line, and the pay before tax that the lifestyle, the costs, the saving and the taxes need. | Expenses |
| 15 | Paycheck plan | Where each month’s pay goes: fixed bills, investing first, goals and guilt-free spending; for commission or self-employed income, the income to live on, a holding account with a cushion, and a rule for every big check, with a share for a debt and how much sooner it is paid. | Tools |
| 16 | Home affordability | What a home costs a month against pay on the 28% and 36% lines, in a typical year, a bad commission year and on base pay alone, and how long the cash after closing lasts. | Tools |
| 17 | Debts | Mortgages and loans, including one taken out later for a home or a car; credit cards at the minimum; student loans with income-driven repayment and forgiveness. | Liabilities |
| 18 | Mortgage refinance or pay down | Whether a new rate earns back its closing costs before you move, what extra payments save, and paying down against investing the extra. | Tools |
| 19 | Insights and the reality check | What stands out in the plan, and in the Planner Setup a list of what to fix, watch and keep. | Insights, Planner Setup |
| 20 | Investments | The mix of stocks, bonds, cash and gold, a glide path or bond tent, cash buckets and a TIPS ladder. | Investments |
| 21 | Stress tests | A bad first decade, a stretch of high inflation, a Social Security cut and changes in the law. | Plan, Assumptions |
| 22 | Scenarios and sensitivity | Plans side by side, and what each assumption is worth. | Scenarios |
| 23 | Longevity | A life table for each person, adjusted for health, and the chance of outliving the plan. | People |
| 24 | Long-term care | A stretch of paid care at the chance you set, and insurance against it. | Expenses |
| 25 | College | College costs, 529 plans and their move into a Roth IRA, the GI Bill and the Student Aid Index. | Expenses, Tools |
| 26 | Leftover 529 | Money left in a 529 with nothing to pay for: cashing it out (tax and a 10% penalty on the growth, the penalty waived up to a scholarship) against moving it into the beneficiary’s Roth IRA year by year under SECURE 2.0, what that Roth IRA is worth at 65, and the other uses since 2025. | Tools |
| 27 | Home and business | Selling or downsizing the home, a reverse mortgage, a rental property, and selling a business with its capital gains tax. | Income |
| 28 | Selling a business | The same price as a sale of the shares, a sale of the assets and paid over the years: ordinary income and capital gain, a C corporation’s double tax, the 3.8% tax, what you keep, and the tax a sale to an ESOP puts off (section 1042). | Tools |
| 29 | Business value from EBITDA | What a business may sell for: EBITDA with the add-backs a buyer accepts, or seller’s discretionary earnings, times the multiple you enter, less debt plus cash, carried into Selling a Business. | Tools |
| 30 | Estate and giving | Federal and state estate tax, what heirs keep, gifts, donor-advised funds and gifts from an IRA. | Tools |
| 31 | Cash flow and statements | Money in and out year by year, one year’s money flow, a balance sheet and an income statement. | Cash Flow, Statements |
| 32 | Reports | Branded PDF reports and meeting packs, the client reports in English or Spanish (auto-translated), CSV downloads and a calendar file of key dates. | Reports, Plan |
| 33 | Guided Setup and Planner Setup | Step-by-step questions for a household, or for a planner with the advanced inputs, each opening its tab. | Header |
| 34 | Five views | Easy for a household, Client for a meeting, Enterprise for everything, Planner for a financial planner, and Learn: lessons for students. | Header |
| 35 | Lessons for students | 25 short lessons in personal finance for high school students, each with a reading, numbers to try and a quick check; a certificate at the end, printouts for teachers, and progress kept in the browser. | Lessons |
| 36 | Government and military pensions | FERS with its supplement, CSRS, military High-3 and the Blended Retirement System, state plans, survivor costs and VA compensation. | Tools |
| 37 | Pension: lump sum or monthly | The return the lump sum would need, how long it lasts and what insurers charge for the same income. | Tools |
| 38 | Annuities | Income annuities, QLACs, MYGAs, indexed and buffered annuities, with published rates. | Tools |
| 39 | Backdoor Roth | Above the Roth income limit: the backdoor, the pro-rata rule and the mega backdoor. | Tools |
| 40 | Equity pay | RSUs, an ESPP and stock options: the tax against what is withheld and the bracket it reaches, the alternative minimum tax on ISOs and exercises spread over years, the risk of holding, and wages in the plan. | Tools |
| 41 | Asset location and tax-loss harvesting | Which account should hold which fund, and what a loss sold is worth. | Tools |
| 42 | Tax brackets and credits | The bracket a year lands in, and the EITC, the Child Tax Credit and the Saver’s Credit. | Tools |
| 43 | College tax credits | The American Opportunity Credit and the Lifetime Learning Credit for a year of college: the phase-out, the 40% paid as a refund, and the order on the return. | Tools |
| 44 | Adoption credit | The federal adoption credit: up to $17,670 a child in 2026, the part paid as a refund, the phase-out, special needs and the five-year carry-forward. | Tools |
| 45 | After-tax income goal | The income before tax that leaves the income you want in hand, from pay or from withdrawals, and the portfolio that funds it at a withdrawal rate: net against gross. | Tools |
| 46 | Historical backtest | The plan through every past market since 1871. | Tools |
| 47 | Your return against the index | What your own money earned a year, from what you put in, took out and have now, against the same money in the S&P 500 or a stock and bond mix since 1928. | Tools |
| 48 | Insurance needs | Life and disability cover a family needs, a parent's unpaid work at home and group cover that ends with the job, and whether the home, car and liability limits are right. | Tools |
| 49 | Medicare premiums and health plans | Part B and D surcharges by income, and choosing a health plan with an HSA. | Tools |
| 50 | HSA: spend it or invest it | Spending the HSA on each year's bills against paying them in cash, keeping the receipts and leaving it invested, each counted tax-free up to what it can pay for. | Tools |
| 51 | Student loans and loan payoff | Repayment plans compared, and what paying more saves. | Tools |
| 52 | Loan offers | Two or three offers for the same loan side by side: the payment, the APR with the origination fee counted, the total cost over the term or paid off early with any penalty, and the payment against take-home pay by the 20/10 rule of thumb. | Tools |
| 53 | 0% promotions | A "no interest if paid in full" offer against a true 0% APR: what is left when it ends, the interest charged back to the purchase, and the payment that clears it a month early. | Tools |
| 54 | Car affordability | A car loan against the household's month: the payment and the whole car against the 20/4/10 rule of thumb, the emergency fund left after the down payment, and the years the loan is worth more than the car. | Tools |
| 55 | Growth and savings goals | What a sum grows to, and what to save for a goal. | Tools |
| 56 | Income floor | The essentials (the spending floor and the costs that cannot wait) against the income that does not depend on the markets, year by year from retirement, and what an immediate annuity closing the gap would cost: the safety-first view of retirement income. | Insights |
| 57 | Investment policy statement | A client report written from the plan to the CFA Institute’s elements: scope, governance, objectives, constraints, the target mix and its rebalancing, the withdrawal policy and the reviews, with lines to sign. | Reports |
| 58 | Retirement income style | Eight questions on two preferences, trusting the markets or wanting guarantees and keeping choices open or settling them once, pointing to one of the four strategies the RICP program teaches (total return, income protection, risk wrap, time segmentation) and to where the planner does each. | Tools |
| 59 | Lifetime withdrawal benefit | The risk wrap: an annuity that stays invested with a guaranteed lifetime withdrawal rider. The benefit base rolled up to set a level income, the account value that pays it first, the age the insurer takes over at the rate entered and in a flat market, the rider fees, and the same money invested without the rider. | Tools |
| 60 | Reverse mortgage line of credit | A HECM line of credit held in reserve and drawn in the year after the portfolio falls, against the portfolio alone and the line kept for last, on every start year since 1871: how often the spending is met, and what is left with the home equity after the loan. | Tools |
| 61 | Deferred compensation payout | A nonqualified deferred compensation balance paid as a lump sum or over 5, 10 or 15 years: the federal tax each adds on top of the other income, the state tax where it was earned or, for 10 years or more, only where you live (4 U.S.C. 114), and what reaches you, worth today. | Tools |
| 62 | A life policy in retirement | Keeping a policy (the death benefit weighed by Social Security’s life table, less the premiums), surrendering it, selling it (taxed as income up to the cash value and as a gain above it) or exchanging it tax-free for income for life, each worth today. | Tools |
| 63 | Paying for long-term care | The same stay in care paid from savings, by a traditional policy with its elimination period and inflation option, by a hybrid life policy, or by Medicaid with the 2026 spousal protections and the five-year look-back; what you pay, what others pay and what is left. | Tools |
| 64 | A continuing care community | A life-care contract against fee for service against staying at home over the years of living independently, assisted living and nursing care: in all, worth today with the entrance fee’s refund, and the years of nursing care at which life care pays off. | Tools |
| 65 | Retirement transition | The parts of retirement money does not settle: ten questions on purpose, people, health, home and money habits, the weakest area with what helps, a trial run on the retirement budget, part-time pay in the first years, and Robert Atchley’s phases of retirement. | Tools |
| 66 | Capital needs analysis | The CFP retirement needs analysis: a replacement ratio or a budget, less Social Security and pensions, inflated to retirement; the capital by the annuity, capital preservation and purchasing power methods; and the saving a year, level, monthly or rising with inflation. | Tools |
| 67 | Social Security for your family | Children’s benefits and a caring spouse’s on a retired or deceased worker’s record, cut to the 2026 family maximum, year by year until the children are grown, and what claiming at 62 adds while they are young. | Tools |
| 68 | Retirement plan for a small business | SEP-IRA, SIMPLE IRA, Solo 401(k), safe harbor 401(k) with and without profit sharing and a rough defined benefit figure: what the owner puts away this year in each under the year’s limits, the self-employed figures as IRS Publication 560 works them, the cost for the employees, and the Roth catch-up rule. | Tools |
| 69 | Special needs and ABLE | Saving for someone with a disability: the 2026 ABLE limit and ABLE to Work, cash above SSI’s $2,000 moved in first, the rest to a special needs trust, the year the account passes the $100,000 SSI leaves alone and the spending that keeps it below, with the rules on trusts and Medicaid payback. | Tools |
| 70 | Dividing assets in a divorce | Each spouse’s share of pre-tax, Roth, taxable, cash and the home on paper and after the tax still owed at each spouse’s own rates, and the payment that evens it out, grossed up when it comes from a 401(k) under a QDRO. | Tools |
| 71 | Married or not | Two partners who are not married: their tax as two single returns against one joint return, the spouse’s and survivor’s Social Security a partner does not get, and what else changes for an inherited IRA, estate tax, health cover and Medicaid. | Tools |
| 72 | Inherited IRA | The beneficiary rules after the SECURE Act and the 2024 regulations: the ten-year rule with or without yearly withdrawals, the stretch for a spouse, a minor child, a disabled or chronically ill heir or one close in age, the IRS Single Life Table, and three ways to take the money out with the tax each costs. | Tools |
| 73 | Roth conversion ladder | Retiring before 59½: a conversion each year (a set amount or enough to fill the 12% bracket), the tax on it, Roth contributions and each conversion free to spend five years later, and a taxable bridge until then, with the year it would run short. | Tools |
| 74 | Start early | Four people start investing years apart, each later one putting in more a month: what each ends with and put in, what a dollar became, and the return at which the bigger amounts catch up. | Tools |
| 75 | Advisor checklist | What to ask a financial advisor before hiring one (pay, fees in dollars, duty and conflicts, who does the tax planning) and the public records to check, adjustable, with each advisor’s answers, as a PDF. | Tools |
| 76 | Risk questionnaire and product selector | How much risk suits you, and which kinds of products fit. | Tools |
| 77 | Target-date fund check | A target-date fund's glide path, "to" or "through" its date, against the plan's own stock share and the Risk Questionnaire's suggestion; its cost in dollars against a cheaper fund; the questions it cannot answer for you; and the plan run on the fund's path. | Tools |
| 78 | ETF analyzer | How common index funds overlap, their costs and risks. | Tools |
| 79 | Retiring abroad | Countries compared on costs, tax and visas. | Tools |
| 80 | Indexed universal life and Trump Accounts | A check on indexed life insurance, and the new accounts for children. | Tools |
| 81 | Plans and files | Plans saved by name, plan files, and a backup of everything. | Plans, Settings |
| 82 | Your own figures | Tax tables, life tables and market history you can replace with newer ones. | Actual Data |
| 83 | Progress and checklists | Snapshots of the plan over time, each month’s spending by budget group from a bank file, and what to do before and after retiring. | Progress, Checklists |
| 84 | Sample households | Four households to learn from: a young family, a wealthy couple, a typical couple at 55 and the standard sample. | Settings |
| 85 | Search and shortcuts | Find any field, tab or tool, and move with the keyboard. | Sidebar |
| 86 | Privacy | Plans stay in this browser: no account, no advertising, no tracking. | Everywhere |
Features by Software
Retirement-planning features, the most important for a retirement's income first, as each product's own documentation or a recent review described them in September 2026. What could not be checked is marked with a question mark rather than guessed.
How It Compares
Retirement planning software for advisers, then planners for households, then the free calculators many people start with.
| Software | Made for | One seat | What it does well |
|---|---|---|---|
| PurpleTeam Financial Planner | Households and advisers | Free | Everything on this page, with nothing to sign up for. Weaker on security, saving, sharing and support, as listed above. |
| Income Lab | Financial advisers | $1,990 a year (Core) or $2,990 (Pro), billed yearly; support staff $800 | Retirement income plans built on guardrails, a Roth conversion optimizer, Social Security and tax planning; SOC 2 Type II. Pro adds account aggregation, estate planning, Medicare surcharge planning and its AI assistant. |
| Income Solver (T. Rowe Price) | Financial advisers | Not published: shown after logging in to T. Rowe Price's adviser site | Tax-efficient withdrawal order worked out again every year, Roth conversions, Medicare premiums and Social Security (SSAnalyzer). Made by Retiree Inc., which T. Rowe Price bought in 2023; T. Rowe Price presented it to advisers in January 2026. |
| eMoney Advisor | Advisers and firms | Not published; third-party estimates about $1,800 to $7,200 or more a year | The most comprehensive cash-flow and estate planning, a client portal and planning together in meetings; SOC 2. Part of Fidelity. |
| RightCapital | Financial advisers | $149.95 to $254.95 a month ($1,799 to $3,059 a year); the first year is a yearly commitment | Tax, retirement, college, insurance and estate modules, a branded client portal and vault; account aggregation from Premium; AES-256 at rest and two-step sign-in. |
| Boldin | Households | Free basic plan; PlannerPlus $144 a year | PlannerPlus adds Monte Carlo, a Roth conversion explorer, tax projections and account linking; SOC 2 Type 2 and optional two-step sign-in. A plan review by its advisers costs a flat $3,200. |
| ProjectionLab | Households; Pro for advisers | Free without saving; Premium $129 and Pro $549 a year (as reviewers report) | Monte Carlo and historical backtests; numbers are entered by hand rather than linked, by design, and data is not sold. |
| FIREproof | Households | Free for one saved simulation; Pro $10 a month | From the maker of cFIREsim: taxes with cost basis and 150 years of market history; Pro adds the Roth conversion optimizer, marketplace-credit optimization, TIPS ladders, buckets and Monte Carlo for custom assets. |
| cFIREsim | Households | Free | Historical cycles with spending rules such as Guyton-Klinger, VPW, CAPE and Hebeler Autopilot. Taxes are left to its sister site, FIREproof. An older open-source version remains on GitHub; the current site is closed-source. |
| FI Calc | Households | Free | Historical backtests of withdrawal strategies, with CSV export; supported by donations. |
Accounting Software
Comparison sites also list general financial software as alternatives. It keeps a business's books and does no retirement income or withdrawal planning, so it complements a planner rather than replacing one: QuickBooks Online, $38 to $340 a month at list price; Xero, $25 to $90 a month; and NetSuite, which does not publish prices (third-party estimates start near $999 a month plus $129 to $199 for each user, before setup).
Where Professional Software Is Better
An honest list. Paid planning software is built for firms that hold client data and answer to regulators, and it shows.
| Area | This planner | Professional planning software, typically |
|---|---|---|
| Security review | A basic review of the code with the Fable 5.1 AI model in September 2026, and its two findings fixed; no independent audit and no penetration test. | Independent SOC 2 audits: Income Lab (Type II), Boldin (Type 2) and eMoney, which also names penetration testing. |
| Encryption | Plans are kept in this browser's storage without encryption, so anyone using this browser can read them. A backup file is plain text unless you choose Back Up Encrypted on the Settings tab (AES-GCM with a passphrase). | Encrypted on the way and where it is stored; RightCapital, for one, encrypts personal data at rest with AES-256. |
| Logins and saving | No user accounts. Plans live in one browser on one device, and clearing the browser's data deletes them unless you made a backup. | Logins with two-step sign-in, plans kept on the vendor's servers and reachable from any device. |
| Clients and teams | One person at one browser. No client portal, no sharing, no team roles. | Client portals and apps, document vaults, and permissions for a team. |
| Account data | Every balance is typed in by hand or imported from a CSV file. | Account aggregation that updates balances on its own (RightCapital from Premium, Boldin PlannerPlus, Income Lab Pro). |
| Correct math | Checked by automated tests and examples worked by hand, but never independently audited. The code was written with AI under one designer's direction. No result is guaranteed. | Companies with staff, many users reporting problems and years in use. No vendor guarantees a plan's outcome either, but mistakes are found and fixed faster. |
| Records and compliance | No audit trail and no archive of what was shown to a client; a professional has to keep those records elsewhere. | Integrations with the other systems an advisory firm runs (Income Lab lists 15 or more), and team collaboration with firm-level assumptions (RightCapital Platinum). |
| Depth | Federal and state taxes are simplified. The estate tax is estimated, but there are no trusts, stock options or business entities. | eMoney goes deepest, with trusts, charitable vehicles, stock options and estate planning; others add estate modules. |
| Risk profiling | Ten questions written for this planner and scored simply. They have not been tested for reliability or validity. | Tested questionnaires: RightCapital's RightRisk starts from a 13-item questionnaire based on the Grable and Lytton scale (Premium and Platinum); Morningstar's risk profiling, powered by FinaMetrica, uses psychometric testing backed by more than 1.7 million assessments. |
| Support | No help desk and no service commitment. Maintained by one person, as time allows. | Support teams, training and onboarding, and a company behind the product. |
| AI assistant | None inside the planner. | Income Lab (Pro), RightCapital (from Premium) and Boldin (limited on its free plan) include AI assistants. |
What a Single Seat Costs
A year of one user's subscription, in US dollars, from the free plan to the top one where there are several. Solid bars are published prices; hatched bars are estimates for software whose prices are not published.
What Is Not Here Yet
What professional software offers and this planner does not. What could be added to this page has been; the rest needs a server and user accounts, so it is not planned.
Recently Added
What this list held until versions 124 to 128: stress tests for the whole plan, estate tax and how each account passes to heirs, goals ranked by priority with a chance for each, giving strategies from donor-advised funds to qualified charitable distributions, and asset location with tax-loss harvesting.
Needs a Server
Balances updated from banks and brokers on their own, a client portal with a document vault, electronic signatures, links to the client-management and portfolio systems advisory firms run, and plans shared between an adviser and a client. Each needs accounts, stored data and the security that comes with them, which a single page in your browser does not have.
Free, and Ready for Next Year
No subscription, ever. There is no fee, no trial that runs out, no account to create and no advertising. The whole planner is a single web page that runs in your browser; a copy saved to your computer works without a connection.
New figures, loaded by you. Tax brackets, contribution limits, Medicare premiums and Social Security figures change every year, and so do life tables and market history. On the Actual Data tab each of the 11 tables the planner reads can be replaced with a newer copy, edited or downloaded, with a year on every line, so next year's figures go in beside this year's. The tables: yearly figures, state taxes, the life table, market history, annual returns, annuity rates, the IRS life expectancy tables, household income, unemployment rules, countries and checklists.
Until then. The calendar follows today's date, and figures that follow prices are carried forward with inflation until newer ones are loaded, with a note saying so.
About This Comparison
This comparison is an estimate, and its accuracy cannot be guaranteed. Prices, features and security claims were read from each vendor's website or from public reviews in September 2026. They are simplified, they change often, and prices that are not published are third-party estimates. Check with each vendor before you decide.
Product names are trademarks of their owners, used here only to identify the products compared. PurpleTeam Financial Planner is not affiliated with, sponsored by or endorsed by any of them.
Sources. Income Lab pricing · Income Solver (T. Rowe Price) · Income Solver launch, January 2026 · eMoney price estimates · eMoney security · RightCapital pricing · RightCapital security · Boldin pricing · Boldin security · ProjectionLab review · FIREproof pricing · cFIREsim · cFIREsim-open · FI Calc · QuickBooks Online · Xero · NetSuite price estimates · RightCapital RightRisk · Morningstar risk profiling (FinaMetrica)