What-If Scenario Planner

Compare savings strategies side by side and visualize how different return, savings, and retirement-age choices shape your financial future.

Current Age

Retirement Age

years

Current Balance

Quick Picksⓘ

2026 IRS limit: $24,000 employee / $24,000 with catch-up

Annual Contribution: $10.0k

2026Limit

Other income & investment presets

Select a preset to create a dedicated section. Each chip stays active while entries exist so you can add, edit, or remove multiple rows per income or account type.

Company Pension

Rental Property

Annual Bonus

Savings/CD Ladder

Side Income

Roth IRA Ladder

Taxable Brokerage

No income sources or accounts yet. Use the chips above to start modeling additional retirement inflows.

Add first entry

Marriage Boost

Start a Family

College Tuition

Career Break

Retire Early

Custom Event

No events added yet. Start with a preset or create your own recurring boost or expense.

Add custom event

Control how income is drawn across taxable and tax-advantaged accounts

PRO

Advanced Withdrawal Strategy Analysis

Free/Standard: Documents your strategy choice (numbers remain same)
Premium: Tracks separate 401(k), Roth, and Brokerage accounts with real tax impact — typically shows 15-25% more after-tax retirement income with tax-efficient withdrawals

Withdrawal Strategy

Expected Return: 7.0%

Balanced

Inflation: 3.0%

Moderate Inflation

Monthly Lifestyle Target: $5,000/mo

/mo

Set your target monthly income in retirement

Portfolio at 65

$681.0K

Monthly Income

$2,163

Income Coverage

39%

61% gap to full coverage

Portfolio at Retirement

$681.0K

in today's dollars

Baseline$681.0K

What-if$681.0K

Key Metrics

35

Years to Retire

Age 65

Retirement Age

$350.0K

Contributions

$331.0K

Growth

Retirement Income

$2,163

Monthly

$26.0K

Annual

Based on 4% safe withdrawal rate

Quick Wins

61% gap • $29.3K/yr

+$100/mo contributions

Current $833/mo

Retire 2 years later

Now 35 yrs to retire

Increase stock allocation

Higher growth potential

Potential Impact

39%

→

67%

Coverage

$681.0K

Current Portfolio

→

$851.2K

Potential

Up to +28% coverage with these changes

Compare the selected scenario directly with your baseline scenario

Scenario	Savings Rate	Annual Contribution	Final Balance	Δ vs Baseline	Trajectory	Coverage	View
Baseline Baseline	10.0%	$10,000	$680,985	—		38.9%

Final Balance

$680,985

+$0 vs baseline

Coverage

38.9%

+0% vs baseline

Annual Contribution

$10,000

+$0 vs baseline

Savings Rate

10%

+0% vs baseline

Rankings and performance metrics for all scenarios

Best Growth

—

Best Coverage

—

Most Efficient

—

Top Scenarios by Final Balance

Baseline

38.9% coverage • 10% savings rate

$680,985

Year-by-Year Comparison

Year-by-Year

Jump to

Age 31

Contribution

$10,000

Growth

$1,650

Withdrawal

End Balance

$61,650

Age 32

Contribution

$10,000

Growth

$1,820

Withdrawal

End Balance

$73,471

Age 33

Contribution

$10,000

Growth

$2,005

Withdrawal

End Balance

$85,475

Age 34

Contribution

$10,000

Growth

$2,204

Withdrawal

End Balance

$97,680

Age 35

Contribution

$10,000

Growth

$2,419

Withdrawal

End Balance

$110,099

Age 36

Contribution

$10,000

Growth

$2,651

Withdrawal

End Balance

$122,750

Age 37

Contribution

$10,000

Growth

$2,898

Withdrawal

End Balance

$135,647

Age 38

Contribution

$10,000

Growth

$3,162

Withdrawal

End Balance

$148,809

Age 39

Contribution

$10,000

Growth

$3,443

Withdrawal

End Balance

$162,253

Age 40

Contribution

$10,000

Growth

$3,742

Withdrawal

End Balance

$175,995

Age 41

Contribution

$10,000

Growth

$4,059

Withdrawal

End Balance

$190,054

Age 42

Contribution

$10,000

Growth

$4,395

Withdrawal

End Balance

$204,448

Age 43

Contribution

$10,000

Growth

$4,749

Withdrawal

End Balance

$219,197

Age 44

Contribution

$10,000

Growth

$5,124

Withdrawal

End Balance

$234,321

Age 45

Contribution

$10,000

Growth

$5,518

Withdrawal

End Balance

$249,839

Age 46

Contribution

$10,000

Growth

$5,934

Withdrawal

End Balance

$265,774

Age 47

Contribution

$10,000

Growth

$6,371

Withdrawal

End Balance

$282,145

Age 48

Contribution

$10,000

Growth

$6,831

Withdrawal

End Balance

$298,976

Age 49

Contribution

$10,000

Growth

$7,314

Withdrawal

End Balance

$316,290

Age 50

Contribution

$10,000

Growth

$7,820

Withdrawal

End Balance

$334,110

Age 51

Contribution

$10,000

Growth

$8,351

Withdrawal

End Balance

$352,460

Age 52

Contribution

$10,000

Growth

$8,907

Withdrawal

End Balance

$371,367

Age 53

Contribution

$10,000

Growth

$9,489

Withdrawal

End Balance

$390,856

Age 54

Contribution

$10,000

Growth

$10,098

Withdrawal

End Balance

$410,954

Age 55

Contribution

$10,000

Growth

$10,735

Withdrawal

End Balance

$431,690

Age 56

Contribution

$10,000

Growth

$11,402

Withdrawal

End Balance

$453,091

Age 57

Contribution

$10,000

Growth

$12,098

Withdrawal

End Balance

$475,189

Age 58

Contribution

$10,000

Growth

$12,825

Withdrawal

End Balance

$498,013

Age 59

Contribution

$10,000

Growth

$13,584

Withdrawal

End Balance

$521,597

Age 60

Contribution

$10,000

Growth

$14,376

Withdrawal

End Balance

$545,973

Age 61

Contribution

$10,000

Growth

$15,203

Withdrawal

End Balance

$571,176

Age 62

Contribution

$10,000

Growth

$16,065

Withdrawal

End Balance

$597,241

Age 63

Contribution

$10,000

Growth

$16,964

Withdrawal

End Balance

$624,205

Age 64

Contribution

$10,000

Growth

$17,901

Withdrawal

End Balance

$652,107

Age 65

Contribution

Growth

$28,878

Withdrawal

End Balance

$680,985

Age 66

Contribution

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Age 67

Contribution

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Age 68

Contribution

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Age 69

Contribution

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Age 70

Contribution

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Age 71

Contribution

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Age 72

Contribution

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Age 73

Contribution

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Age 74

Contribution

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Age 75

Contribution

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Age 76

Contribution

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Age 77

Contribution

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Age 78

Contribution

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Age 79

Contribution

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Age 80

Contribution

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Age 81

Contribution

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Age 82

Contribution

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Age 83

Contribution

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Age 84

Contribution

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Age 85

Contribution

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Age 86

Contribution

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Age 87

Contribution

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Age 88

Contribution

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Age 89

Contribution

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Age 90

Contribution

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Age 91

Contribution

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Age 92

Contribution

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Age 93

Contribution

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Age 94

Contribution

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Age 95

Contribution

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

What-If Scenario Planner

Personal Info

Savings & ContributionsCurrent balance and annual contributions

Savings & Contributions

Other Income & Investments

Other income & investment presets

Social Security

Life Events & Milestones

Healthcare Costs

Withdrawal StrategyPROProportional withdrawals

Withdrawal Strategy

Market Assumptions7.0% return, 3.0% inflation

Market Assumptions

$681.0K

$2,163

39%

$681.0K

35

Age 65

$2,163

$26.0K

Quick Wins

39%

→

67%

$681.0K

→

$851.2K

$680,985

38.9%

$10,000

10%

All Scenarios LeaderboardBest performers across all scenarios

—

—

—

Top Scenarios by Final Balance

$680,985

Year-by-Year Comparison

Year-by-Year

Age 31

Age 32

Age 33

Age 34

Age 35

Age 36

Age 37

Age 38

Age 39

Age 40

Age 41

Age 42

Age 43

Age 44

Age 45

Age 46

Age 47

Age 48

Age 49

Age 50

Age 51

Age 52

Age 53

Age 54

Age 55

Age 56

Age 57

Age 58

Age 59

Age 60

Age 61

Age 62

Age 63

Age 64

Age 65

Age 66

Age 67

Age 68

Age 69

Age 70