Retirement Dough Planner

My Retirement Plan Inputs

The more accurate the inputs, the more useful the plan. Close estimates are fine to start, then replace them as you learn more.

Example Data Off On

Plan progress 0%

Start filling in the boxes and the plan meter will climb.

Household Section 1 of 5

Show all sections No

Household

Quick Plan is a rough draft.

Use a few simple estimates to see the shape of a plan. When you are ready for better answers, switch to Full Plan.

Your Name ? Your Age ?55 Your Birthdate ? Planning Age ?95 Planning Age ? Are You Married? ?

Spouse Name ? Spouse Age ?55 Spouse Birthdate ? Spouse Planning Age ?

Filing Status ?

Income

Current Household Income

Slide to a rough annual number. Quick Plan rounds to the nearest $5,000.

Your Annual Income$75,000 No income right nowNo

More than $150,000No Enter Annual Income

Spouse Annual Income$0 No spouse income right nowYes

More than $150,000No Enter Spouse Annual Income

Current Annual Income ? Spouse Annual Income ?

Total annual income entered $0

Quick note

Separate income you earn from income that keeps coming later, like pensions or part-time work. That makes the retirement bridge easier to see.

Retirement Planned Retirement Age ?67 Spouse Planned Retirement Age ?67 Planned Retirement Age ?67

Income

Quick Plan estimates Social Security from today's income. It assumes 30 working years averaging about 80% of current income.

Use real SSA.gov numbers insteadNo Your Monthly Social Security at FRA Spouse Monthly Social Security at FRA Add pension, annuity, or other guaranteed incomeNo

Monthly Amount Gets COLANo

Income

Money expected during retirement, including Social Security, pensions, annuities, and part-time work.

I am currently taking Social Security ? No Current Monthly Social Security ?

Full Retirement Age ? Monthly Social Security at Full Retirement Age ?

Don't know your number?

Use a rough estimate, then replace it later with your real SSA.gov number.

Average Career Income ? Years Worked ?

Estimate will appear here.

Spouse is currently taking Social Security ? No Spouse Current Monthly Social Security ? Spouse Monthly Social Security at FRA ?

Need a spouse estimate too?

Use this as a rough placeholder, then replace it with their SSA.gov number.

Spouse Average Career Income ? Spouse Years Worked ?

Spouse estimate will appear here.

When do you plan on taking Social Security? ? Spouse Claiming Age ? Other Guaranteed Income ? Does That Income Get a COLA? ? Guaranteed Income COLA Percent ?

Part-time work in retirement?

Add a side gig, consulting, or part-time job you expect after retiring.

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Monthly Income ? Start Age ? End Age ?

Expenses

Monthly Retirement Need$6,500 Need more than $18,000/monthNo Enter Monthly Need

Expenses

What the household expects to spend during retirement.

How Do You Want to Enter Spending? ? Annual Spending Needed in Retirement ? Monthly Spending Needed in Retirement ?

Housing Per Month ? Food & Household Per Month ? Healthcare Per Month ? Transportation Per Month ? Debt Payments Per Month ? Fun, Travel & Other Per Month ?

Estimated annual retirement spending: $0

Inflation assumption: 2.6%. That is a long-term planning estimate based on roughly the last 20 years of CPI inflation, but real inflation jumps around.

Quick note

Retirement spending often changes shape over time: travel and projects may be higher early, while healthcare can matter more later.

Planned one-time expense?

For a big known purchase, like a car, home project, vacation, or helping family.

One-time Amount ? Age It Happens ?

Inflation Assumption ?

Savings

Current account balances

Use rough balances from today. These do not need to be perfect for Quick Plan.

Taxable / Brokerage ? $0 More than $1MMNo Enter Taxable / Brokerage Balance

Traditional IRA / 401(k) ? $0 More than $1MMNo Enter Traditional IRA / 401(k) Balance

Roth IRA / Roth 401(k) ? $0 More than $1MMNo Enter Roth Balance

Cash / Bank Savings ? $0 More than $1MMNo Enter Cash / Bank Balance

Add accounts one at a time

Enter each account, then the tool totals the tax buckets for the forecast.

Account Name Account Type Owner Account Value Account Note Asset Mix Known?

Stocks % Bonds % Cash %

Account totals below are what the plan uses.

Total savings entered $0

Do You Currently Have a Financial Advisor? ? Do You Know the Fee? ? Advisor Fee Percent ?

Annual Savings Until Retirement ? $0/yr More than $1MM per yearNo Enter Annual Savings

Annual Savings Until Retirement ?

Planned money coming in?

Optional: inheritance, sale of property, business payout, or other money you expect later.

Off

What Should We Call It? ? Expected Amount ? Age You Expect It ?

Optional: Life Insurance

Include life insurance?

This is optional. Turn it on if you want the forecast to show cash coming in for a surviving spouse.

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Add life insurance policies

Use this to show cash coming in for a surviving spouse if one person passes away during the plan.

Who Is Insured? Policy Type Death Benefit Term Ends at Age

The forecast adds the death benefit only if a death scenario happens while the policy is active.

Optional: Assets & Liabilities

Include personal assets and debts?

This is helpful for a deeper net worth picture, but you can skip it and still build a useful retirement plan.

Off

Add personal assets

Track homes, vehicles, boats, and other property separately from retirement savings.

Asset Name Type Estimated Value Loan / mortgage? No Loan Balance Monthly Payment Payments Left

Assets help show net worth and future debt payments. They are not counted as investable savings.

Add unsecured debts

Credit cards, personal loans, medical debt, or other balances that are not tied to an asset above.

Debt Name Type Balance Monthly Payment Interest Rate, If Known

Interest rate is optional, but it will help with the future debt payoff planner.

Monte Carlo

Retirement Readiness

Forecast Sandbox Off Off

Success probability Missing data

Complete the input area to run the forecast.

First-year portfolio need --

Spending minus Social Security and other guaranteed income.

Starting portfolio --

Taxable, retirement, Roth, and cash accounts combined.

Risk profile used Not scored

Take the risk check before running the forecast.

Forecast Sandbox

Turn this on to test changes without rewriting the Inputs page. If you like the result, make the sandbox your plan.

Plan changes

Retirement age Inputs: ---- Social Security claiming age Inputs: ---- Living longer / planning age Inputs: --Changes how long the money needs to last.-- Inflation assumption Inputs: ---- Retirement spending Inputs: --Changes monthly spending after retirement.$0/mo$0/mo change Pre-retirement savings Inputs: --Changes how much is saved before retirement.$0/yr$0/yr change

Stress tests

Early death stress test Shows survivor income changes. Existing life insurance still pays if the policy would be active. Person Death age Inputs: ----

One-time purchase Inputs: --$0 Age when it happens Inputs: ----

Part-time monthly income Inputs: --$0 Starts at age Inputs: ---- Ends at age Inputs: ----

Advisor fee what-if Using InputsKeep fee Poor market after retiring OffOff

Withdrawal Story

Data Used

Ways to Improve the Odds

Advisor Cost / DIY Savings

Yearly Details

Show the year-by-year path from today or just the retirement years.

Off

Return view ?

Yearly table starts

Show advisor fees ? Off

Year	Age	Start Balance	Savings Added	Spending	Guaranteed Income	Withdrawal	One-time Spend	Life Insurance	Planned Inflow	Advisor Fee	Est. Return	End Balance

Risk appetite

Risk Appetite Check

Take the quick risk appetite check first.

Answer eight plain-English questions. If you already entered account values, the quiz will use your real numbers so the tradeoffs feel more real.

If your invested accounts went from $100,000 to $90,000, what would you most likely do? If your account went from $100,000 to $75,000, how would that feel? How long before you need meaningful withdrawals? Which statement feels most like you? If your account dropped by $25,000, how often would you check it? If the market had a rough year right after you retired, what would you be willing to do? If safer investments earned less but bounced around less, what would you choose? Investment experience:

Advanced tools

Coming Soon

For people who want to get deeper into the weeds after the main retirement plan is built.

Coming soon

Retirement Tax & Roth Strategy

See where taxes may sneak up.

Estimate taxable Social Security, Medicare IRMAA cliffs, IRA withdrawals, Roth conversion windows, and how income stacks together in retirement.

Timing

Social Security Sandbox

Living plan

Retirement Planning Tool

DIY Retirement Planner

My Retirement Plan Inputs

Current Household Income

Income

Income

Expenses

Expenses

Retirement Readiness

Forecast Sandbox

Withdrawal Story

Data Used

Ways to Improve the Odds

Advisor Cost / DIY Savings

Yearly Details

Risk Appetite Check

Take the quick risk appetite check first.

Moderate

What This Could Look Like

Coming Soon

Retirement Tax & Roth Strategy

My Locked-In Plan

Retirement Planning Tool

My Retirement Plan Inputs

Current Household Income

Income

Income

Expenses

Expenses

Retirement Readiness

Forecast Sandbox

Withdrawal Story

Data Used

Ways to Improve the Odds

Advisor Cost / DIY Savings

Yearly Details

Risk Appetite Check

Take the quick risk appetite check first.

Moderate

What This Could Look Like

Coming Soon

Retirement Tax & Roth Strategy

Social Security Sandbox

Month-by-Month Claiming

Lifetime Benefit

My Locked-In Plan