Retire Plan
Change one thing in your plan and see what it does to every year, every chart and your success rate.
What-if add-on $10, or the Full bundle for $25. Each is a one-time purchase.
Try it in the demo No account needed.
These are real runs on a sample plan. On your plan you can change any number you like.
Each chart is the Compare view in Retire Plan: the sample plan as it is, and the same plan with one thing changed. The cards show its balance over time, the difference year by year and the side-by-side table.
Market history
success rate, the share of cases since 1871 that never ran out
Stocks lost 3.0% a year after inflation from 2000 to 2009. 25% of the cases fail, and the median case ends the plan with $1.45M instead of $2.31M.
2000 to 2009 replayed from 60, in every case. Sample plan: age 40, retiring at 60 on $50,000 a year.
success rate, the share of cases since 1871 that never ran out
Prices rose 8.7% a year, and the spending rose with them. 36% of the cases fail.
1973 to 1982 replayed from 60, in every case. Sample plan: age 40, retiring at 60 on $50,000 a year.
success rate, the share of cases since 1871 that never ran out
Stocks lost 8.6% a year after inflation over those years. 3% of the cases fail, and the median case ends the plan with $1.68M.
2008 to 2009 replayed from 60, in every case. Sample plan: age 40, retiring at 60 on $50,000 a year.
Changes at work
saved by 60 on the expected path
The line drops below zero at 46 and stays there. The what-if is behind by a median of $46K at 60 and $206K at the end. The success rate stays at 100%.
No pay and no saving from 45 for a year, then the usual pay again. The plan takes nothing out of savings during the gap; it assumes you get by on other money. Sample plan: age 40, retiring at 60 on $50,000 a year.
success rate, the share of cases since 1871 that never ran out
Saving falls with the pay. 7% of the cases fail, and the balance at 60 is $970K instead of $1.06M.
Pay 30% lower from 45 until retiring. Social Security stays as typed in the plan. Sample plan: age 40, retiring at 60 on $50,000 a year.
When and how you retire
success rate, the share of cases since 1871 that never ran out
At 57 the plan has $858K saved on the expected path and more years to pay for. 25% of the cases fail.
Retiring at 57 instead of 60, still planned to the same age. Sample plan: age 40, on $50,000 a year.
success rate, the share of cases since 1871 that never ran out
Stop full-time work at 57 and earn $29,200 a year part-time until 60. The success rate is 85%. Stopping all work at 57 instead gives 75%.
The part-time pay is Retire Plan's Barista FIRE figure for this spending. Sample plan: age 40, on $50,000 a year.
balance at the end of the plan, the median case
On $40,000 a year instead of $50,000, the line sits at zero until 60 and climbs every year after. The median case ends the plan with $973K more. The plan could also retire three years sooner, at 57, and keep a 100% success rate.
Spending 20% less in retirement, still retiring at 60. 57 is the earliest age that keeps a 100% success rate on this spending. Sample plan: age 40.
balance at the end of the plan, the median case
The benefit is $3,900 a month from 70 instead of $2,202 from 62. Savings carry the years in between, and the success rate stays at 100%.
Social Security estimated from the plan's pay, not typed. Sample plan: age 40, retiring at 60 on $50,000 a year, 100% success rate either way.
Each of these takes a few taps in the Compare view. Try them in the demo on a sample plan, with no account. On your own numbers, Compare is included with the What-if add-on. See what it costs.
Open the demo