📊 Retirement Financial Planner Pro

👫 Spouse/Partner Information

Add a spouse or partner to create a combined financial plan. We'll simulate their income, social security, and longevity alongside yours.

💰 Current Assets

Enter your current investment and cash balances. This forms the starting point of your financial projection.

₿ Crypto Assets

📈 Asset Allocation & Glide Path

💵 Income Sources

Define your income during your working years and any non-portfolio income (pensions, side hustles) expected in retirement.

🏛️ Social Security

Optimize your claiming strategy. Compare benefits at different claiming ages to maximize lifetime value.

📤 Annual Expenses

Estimate your future living costs. You can categorize them to better understand your spending structure.

🏠 Housing

Manage your primary residence assets. You can model selling your home in the future to unlock equity for retirement.

🏥 Healthcare Costs

Healthcare is often the largest expense in retirement. Model pre-Medicare (ACA) and Medicare premiums separately.

📈 Investment Return Rates

Set your expected annual growth rates for different asset classes. These assumptions drive the core Monte Carlo simulations.

📊 Inflation Assumptions

Inflation erodes purchasing power over time. Even small differences here can have a huge impact over 45 years.

🏛️ Tax Settings

Configure your tax environment. We calculate progressive federal brackets and state-specific rules.

🔄 Roth Conversion Strategy

📅 One-Time Financial Events

What are One-Time Events?
These are significant financial events that happen once at a specific year. Examples include:
• Inheritance or gift received
• Large home purchase or sale (if not using Housing section)
• College tuition payment
• Wedding expenses
• Starting a business (seed capital)

How to use: Enter the year, describe the event, specify the amount, and choose whether it's income (money coming in) or expense (money going out). Click "Add One-Time Event" and it will appear in your projection for that specific year only.

🔄 Recurring Cash Flow Events

What are Recurring Events?
These are income or expenses that happen every year for a specific age range. Perfect for modeling:
• **Travel phases**: "Ages 55-65: $40k/year extra travel"
• **Part-time income**: "Ages 60-70: $25k/year consulting"
• **Education costs**: "Ages 50-54: $30k/year for kid's college"
• **Rental property income** (if not using main income fields)
• **Club memberships** or **hobbies** with ongoing costs

How to use:
1. Enter the Start Age and End Age for when this event occurs (inclusive)
2. Describe what it is (e.g., "Extra Travel Budget")
3. Enter the Annual Amount (how much per year)
4. Choose Expense (money out) or Income (money in)
5. Click "Add Recurring Event"

The planner will automatically apply this amount EVERY year from Start Age to End Age in your projection. You can add multiple recurring events to model complex spending/income phases.

🎯 Custom Scenarios

Create alternative versions of the future (e.g., "High Inflation", "Bull Market"). These will appear as toggle buttons on the main dashboard for quick comparison.

🎯 Financial Goals

Set target milestones for your retirement journey. These goals help track your progress and provide benchmarks for success.

🔥 FIRE Targets

💾 Data Management

Backup your complete plan configuration or export data for spreadsheet analysis.