Cash flow
Income and spending, year by year
GuidesEducational scenario modeling
Every household takes a different road
Find the fragile years before retirement feels stable.
A U.S. retirement planning simulator for cash flow, Social Security, healthcare, estimated taxes and market uncertainty—year by year.
Plan data stays in this browser · About 3 minutes
Modeling and saved plans stay on this device. If you activate Road Guide voice, audio, conversation text and selected plan context go to OpenAI. How your data is handled.
Under the surface
A plan isn’t one number. It’s a sequence of years.
Timing
Retirement, Medicare, Social Security
Taxes
Accounts, withdrawals, and RMDs
Uncertainty
A modeled range—not one perfect forecast
01
Build the householdA friendly setup for one person, couples, and households with dependents.
02
Find the bridgeSee the years between work and dependable income—and what makes them fragile.
03
Stress-test the roadChange retirement timing, spending, or income and watch the plan respond.
The retirement library
Start with your next retirement decision.
Estimate Social SecurityRead your SSA statement and check the input.Cover healthcare before MedicareCompare coverage and build an annual budget.Understand a modeled success rateRead the score with its horizon and limits.Calculate your retirement bridgeTry the annual funding-gap worksheet.
Explore all 25 retirement guides →Know what you’re modeling
Connect the dates, dollars and uncertainty.
What you enter
Household ages, work-stop dates, account balances and access, spending, healthcare, an annual Social Security estimate, other income and return assumptions.
What you see
Annual cash flow, estimated taxes and withdrawals, bridge funding, modeled success, percentile bands and selected downside scenarios. Compare changes and save named plans in this browser.
Where the model stops
Annual steps and simplified tax and market assumptions cannot predict results. The intake uses one household Social Security amount and claim age, and changes household healthcare at the primary person’s age 65. It does not calculate ACA subsidies, optimize taxes or verify account eligibility.
About the project and its limitsA synthetic example
The gap changes when life changes.
This invented household stops work at 62. The table uses annual 2026 dollars and simple arithmetic, with healthcare in spending and income taxes counted separately. It is a worksheet example, not a simulated forecast.
| Phase | Spending | Income tax allowance | Gross income | Annual gap |
|---|---|---|---|---|
| Ages 62–64 | $78,000 | $6,000 | $24,000 | $60,000 |
| Ages 65–66 | $72,000 | $6,000 | $24,000 | $54,000 |
| Ages 67 onward | $72,000 | $8,000 | $60,000 | $20,000 |
The five years before additional benefits total $288,000 of funding gaps before returns, inflation or discounting. Medicare changes the cost column; it is not an income payment. Change the amounts in the bridge worksheet.
Use your own assumptions to explore the timing and uncertainty.