Retirement Success Planner

Plan with more clarity.

A simple, private way to explore your retirement income, spending, savings, and long-term outlook.

Privacy is a priority. This planner is designed to avoid personally identifiable information (PII). It does not ask for or collect your name, street address, employer, job title, account numbers, Social Security number, exact date of birth, phone number, or email address. Age and financial planning inputs are used only to run the retirement model. Your entries and saved plan stay in your browser on this device, and the planner does not send those form entries to a database. Information leaves your device only when you choose to share, print, or email your results.

Planning tool disclaimer. This tool provides estimates and simulations for educational and personal planning purposes only. Results depend on the information and assumptions you enter, including investment returns, inflation, taxes, spending, Social Security, pensions, and other income. Actual results may differ significantly. Monte Carlo simulations illustrate a range of possible outcomes and do not predict or guarantee future investment performance. This tool does not provide individualized investment, tax, legal, insurance, or financial advice. The planner is intentionally designed without fields for personally identifiable information. Consider consulting qualified professionals before making important financial decisions.

Retirement Success Planner • Created by E.S.

Version 0.9.0 Enterprise Edge

Compatibility build for managed Microsoft Edge environments • Unified professional report delivery

Compatibility notice: If the planner appears but fields still cannot be edited, your organization's browser policy may be blocking interactive JavaScript for this site. In that case, the browser policy—not the planner code—must be changed by your IT administrator.

STEP 1

Household and retirement goal

Use realistic estimates. You can revise them anytime.

Household type Current retirement savings $ All investable retirement assets combined. Cash reserve outside retirement investments $ Emergency savings or cash you want to keep separate from your invested retirement portfolio. Estimated annual retirement spending $ This total is built on the next screen from housing, utilities, healthcare, insurance, travel, gifts, holidays, vehicle replacement, and other spending.

Advanced assumptions

Expected annual return % Expected inflation % Plan through age State tax on Roth conversions % Estimated retirement tax rate % Used only to estimate after-tax retirement income on Results.

STEP 2

Plan to spend

Estimate what your retirement lifestyle may actually cost. Enter monthly amounts unless the row says annual.

Retirement spending will not be identical every year. Routine expenses may rise with inflation, while some years may include a replacement vehicle, major home repair, special vacation, larger gifts, or extra healthcare costs. Use a realistic average and review it whenever your plans change. For credit cards, enter only debt payments on carried balances so purchases already listed elsewhere are not counted twice.

Estimated monthly spending$0

Estimated annual spending goal$0

Vehicle replacement is shown as an annual reserve. Example: saving $6,000 per year creates roughly $30,000 over five years for a safer replacement vehicle. Children & Education is optional and defaults to $0. If an expense applies, you can optionally enter your age when you expect that cost to end, so the planner does not carry it through your entire retirement.

STEP 3

People and Social Security

Person 2 appears only for couples.

STEP 4

Other retirement income

Add pensions, benefits, rent, or part-time work.

STEP 5

Optional Roth planning

Choose “None” when you do not want Roth conversion modeling.

Conversion strategy Conversions start at age Conversions end at age Traditional balance $ This is part of total savings, not an additional amount. Roth balance $ This is part of total savings, not an additional amount. Fixed annual conversion $ Pay conversion tax from

YOUR RESULTS

Retirement dashboard

What the score is

A 0–100 summary of how resilient the plan appears under the assumptions entered.

How it is calculated

70% Monte Carlo success, 20% retirement-income coverage, and 10% projected ending-asset strength.

How to read it

90–100 Excellent • 80–89 Very Strong • 70–79 Good • Below 70 Needs Attention.

Important

This is a planning guide, not a guarantee. Results change when assumptions or random market trials change.

Retirement Score——

Success Rate—Monte Carlo trials funded through the plan

Monthly Retirement Income—Estimated at retirement

Monthly Spending Goal—Inflation-adjusted at retirement

Projected Ending Portfolio—Base projection

Roth Conversions—Estimated total

Retirement health check

Monthly spending vs. retirement income

Plan to spend $0

Retirement income $0

Monthly gap $0

The model will explain how the difference is being funded after you calculate your plan.

Estimated after-tax income $0

After-tax gap / surplus $0

Cash reserve you entered $0

After-tax income is a planning estimate using the tax rate you entered. It is not a tax return calculation.

Portfolio projection

Educational planning tool • Results are estimates and simulations, not guarantees. This tool does not provide individualized investment, tax, legal, insurance, or financial advice.
Retirement Success Planner • Created by E.S.

Recommendations

Retirement Planning Report

Retirement Success Planner

A concise summary of the modeled retirement plan based on the information and assumptions entered.

Retirement Success Planner • Created by E.S.

Version: 0.8.7 Enterprise Edge

Generated: —

Household: —

Primary retirement age: —

Retirement Score——

Success Rate—Monte Carlo simulation

Income vs Spending——

Ending Portfolio——

Monthly income vs. spending

Annual spending breakdown

Plan assumptions

Planning horizon	Through age —
Expected annual return	—
Expected inflation	—
Estimated retirement tax rate	—
Cash reserve outside retirement investments	—
Modeled Roth conversions	—

Key takeaways

Privacy by design: This planner does not ask for or collect names, addresses, employers, job titles, account numbers, Social Security numbers, exact dates of birth, phone numbers, email addresses, or other personally identifying details. Age and financial planning inputs are used only to model retirement and remain in the user's browser unless the user chooses to share, print, or email results.

This report is a planning aid based on user-entered data and simulation assumptions. Results are estimates, not guarantees. This tool does not provide individualized investment, tax, legal, insurance, or financial advice.

Sharing: Print, Share, and Email all use this same professional report layout. On browsers that support file sharing, Share or Email can send the report as an attachment. If the browser blocks automatic attachments, the planner saves the report file first and opens the user's email app so the file can be attached manually.

STEP 7

What If

Compare a simple alternative without changing your saved baseline plan.

Your current plan stays unchanged. Use this screen to test how a different retirement age or monthly spending goal could affect your Retirement Score, Monte Carlo success rate, and projected ending portfolio.

Scenario B

Retire at age Monthly spending $

Current Plan vs. Scenario B

Change retirement age or spending, then compare.

What-If results are estimates and simulations only. They are meant to help you compare planning choices, not predict future outcomes.
Retirement Success Planner • Created by E.S.