How your monthly income is currently allocated. Be aware of large amounts of "uncommited" income, it tends to find a way to dissapear...
Enter each item as monthly dollars or percent of income. Entries are capped so you can't allocate more than your monthly income.
Each account grows at its own rate with its own annual contributions ; Retirement-purpose accounts sum into your nest egg. Click headers to sort.
For rentals, enter what you pay on the mortgage and what you charge renters — rent collected is summed from the rent charged column.
Enter balances as positive numbers — they're subtracted automatically.
Stages of your working life — e.g. rest of military career, then second career. Check "Retire" on the stage where contributions stop for good; the model derives your full-retirement age and year (contribution amounts live on each account above).
Annual amounts are your best-judgment estimates (retiree pay calculator, VA rating tables, SSA statement). Military pension and VA disability start the day you take off the uniform — typically your 20-year mark, long before you stop working — and the model counts every year of them, including your second-career "bridge" years. Claim ages for Social Security are each person's own age. Amounts are held flat (no COLA) and pre-tax/tax-free distinctions are yours to reflect in the amounts.
Your nest egg keeps compounding while you withdraw a fixed percentage yearly. Your military pension and VA pay have been flowing since your 20-year mark and continue for life; each person's Social Security switches on at their own claim age.
Ages shown so you can see each benefit switch on.
Ages entered here drive everything downstream: retirement year, Social Security timing for each of you, and the family timeline. This is the only place ages live.
Stacked balances from the child's age today to 65. Dashed line marks the target age.
The fine print: 529-to-Roth rollovers only work once the 529 has been open 15 years, max $35k lifetime and about $7,500/yr — a cap shared with regular Roth contributions. Not checked here: the 5-year seasoning on recent 529 money, and the kid needs actual wages in any rollover year. The Trump Account takes $5,000/yr until the year they turn 18 (born 2025–2028 gets a $1,000 seed) and converts to a regular IRA after; it's tax-deferred, unlike the Roth. Limits change yearly — verify before moving real money. Standalone educational tool, not connected to your plan.
A standalone what-if calculator — nothing here feeds the plan. Use "Load my numbers" to start from your actual retirement seed and contributions.
Contributed vs. investment growth.
Invested-% shows how much of the balance is still your own money.
Standalone calculator: what a small daily spend becomes if invested instead.