Can I stop working when I want?
Turn savings, contributions, spending, and dependable income into one first retirement-paycheck estimate.
Run the retirement runway →Start here
One retirement plan. Seven numbers. Then one decision at a time.
You do not need to understand every retirement rule before you begin. Build a first picture, identify the fragile assumption, and go deeper only where the answer can change your life.
What is the decision that could break the plan?
Test health insurance, Social Security, housing, rental cash flow, fees, taxes, and a poor early market separately.
Explore the What-If Labs →What should I verify before acting?
Use the decision guides to learn the rule, understand the tradeoff, and reach the official source that controls it.
Browse the decision library →The seven-number first draft
Gather enough to get oriented—not enough to get stuck.
Estimates are allowed. Record the source and confidence beside each number so the plan tells you what must be verified next.
- Your age and preferred retirement ageThe time available for saving, growth, and decisions.
- Retirement savings today401(k), 403(b), IRA, and retirement-designated brokerage accounts.
- Monthly contributionsYour deposits plus a realistic employer match.
- Monthly retirement spendingHousing, taxes, health care, travel, family help, and irregular costs.
- Social Security and pensionsBenefits connected to a specific start age and survivor election.
- Other durable incomeNet rental cash flow, part-time work, annuities, royalties, or support payments.
- The biggest known uncertaintyThe single assumption you most need to test before acting.
A better order of operations
Do not optimize investments before the life is defined.
Price the life
Build essential, flexible, and irregular spending instead of using a salary percentage.
Build the spending target →Assign the income
Give Social Security, pensions, properties, work, and the portfolio separate jobs and start dates.
Map the income sources →Stress the weak point
Test the expensive year, poor market, lost income source, care need, and survivor household.
Plan the bad early market →Coordinate the tax years
Sequence withdrawals and conversions across years instead of treating every account as identical cash.
Understand the tax window →Your first answer is ready