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From setup to sign‑off

How it works

No installation, no account. Open the file, follow the wizard, and you’ll have a real, stress‑tested retirement plan in an afternoon — often much less.

1

Set up your first plan in about 3 minutes

The Quick Setup Wizard walks you step by step from zero to a complete plan, with sensible pre‑filled defaults you can customise. You stay in control at every step.

  • Step‑by‑step guidance
  • Pre‑filled defaults you can change
  • You’re in control at every step
The Quick Setup Wizard, which sets up a first plan in about three minutes.
2

See your retirement, phase by phase

Your plan appears as a clear five‑phase timeline. Each phase shows withdrawals by account, gross income, taxes, healthcare costs and the net income you’d actually receive — in both today’s money and future dollars.

  • Per‑account withdrawals & balances
  • Taxes & healthcare estimated for every phase
  • Net income shown nominal and inflation‑adjusted
The five-phase dashboard showing per-account withdrawals, taxes and net income.
3

Ask the AI co‑pilot in plain English

Open the Plan‑with‑AI sidebar and just ask. It proposes specific numeric changes, runs them through the planner’s own simulator, and shows the verified outcome — so you can accept improvements with confidence.

  • Personalised answers in seconds
  • Every proposal simulated & verified
  • You approve before anything changes
The AI co-pilot answering questions and proposing changes in plain English.
4

Stress‑test and explore the what‑ifs

Run Monte Carlo and historical backtests, compare claiming ages, model the survivor’s income, and explore what‑ifs for inflation, Roth conversions and maximum sustainable spending — all before you commit.

  • Hundreds of market scenarios, not one forecast
  • Social Security & survivor planning
  • What‑if explorer for every big lever
The what-if explorer modeling a Roth conversion scenario.
5

Sign off, export and review

When you’re happy, mark the plan Signed off — the planner snapshots your numbers and sets a 12‑month review reminder. Export a multi‑page PDF to keep or share, or a JSON file to back up and re‑import later.

  • Draft → Under review → Signed off
  • Multi‑page PDF report
  • JSON backup you fully own
Creating a multi-page PDF report from the plan.
Watch & learn

Video tutorials

Prefer to watch? A full playlist walks you through the planner, feature by feature.

AI Retirement Income Planner — video tutorial Watch the tutorial ›
Watch on YouTube →
Five steps to confidence

Your plan is closer than you think.

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