This is a demo using a fictional profile (James Morrison, Austin TX). Create a free account to model your own retirement.

My Info

Enter your financial details below. Changes are saved automatically and used to determine whether your plan is financially viable and optimized.

Walk through all your inputs step by step, or jump straight to a specific section below.

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Your Accounts (not connected)

IRA / 401k / 403b Balance

Roth IRA / Roth 401(k) Balance

Taxable Savings

Spouse Accounts

Spouse IRA / 401k / 403b

Spouse Roth IRA / Roth 401(k)

Household total: IRA $412k · Roth $75k

This section is for inherited traditional IRAs. If you have multiple inherited IRAs from the same person, enter the combined balance. If you inherited a Roth IRA, consult your tax advisor for distribution planning.

Your Inherited IRA

Inherited from

Year of deathⓘ

Age at deathⓘ

Prior year-end balance

Spouse Inherited IRA

Inherited from

Year of deathⓘ

Age at deathⓘ

Prior year-end balance

Health Savings Account (HSA)

HSA Balance

Enter your total household HSA balance (both spouses combined). The HSA contribution limit is per-household, not per-person. Your HSA is best preserved until age 65+, when it can pay Medicare premiums, Part D, and medical expenses triple tax-free (no tax on contributions, growth, or qualified withdrawals).

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