Plan:

Accounts & Assets Overview

Snapshot of your total investments, assets, liabilities, and net worth.

Total Investments
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Across all investment accounts
Total Assets
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Investments, cash, and other assets
Total Liabilities
0
Mortgages, loans, and other debt
Net Worth
0
Assets minus liabilities
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Investment Accounts - Primary
Learn how your accounts are used by the Retirement Planner
Account Name
Type
Bucket
Balance
Pre-Tax
0%
Tax-Free
0%
Taxable
0%
Total
0
Pre-Tax Total
0
Tax-Free Total
0
Taxable Total
0
Total Investments
Investment Accounts - Spouse
Account Name
Type
Bucket
Balance
Pre-Tax
0%
Tax-Free
0%
Taxable
0%
Total
0
Pre-Tax Total
0
Tax-Free Total
0
Taxable Total
0
Total Investments
Checking & Savings Accounts
Owner
Account Name
Type
APY
Balance
Total Cash & Savings: 0
Other Assets
Owner
Asset Name
Asset Type
Appreciation
Value
Total Other Assets: 0
Real Estate Assets
Owner
Property
Type
Current Value
Current Equity
Total Real Estate: 0
Liabilities
Owner
Liability Name
Type
Payment / Rate
Balance
Total Liabilities: 0
Net Worth Summary
Category
Amount
Investment Accounts
0
Cash & Savings
0
Real Estate Assets
0
Other Assets
0
Total Assets
0
Total Liabilities
0
NET WORTH 0

Select Asset Type

Choose the type of asset you want to add:

Vehicle
Car
Motorcycle
Boat
Jewelry
Precious Metals
Collectibles
Furniture
Instrument
Business Interest
Digital Assets
Notes & Loans
Life Insurance
Royalties & IP
Machinery
Personal Property
Other Asset
Custom Asset

Net Worth Tracking

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Track your financial journey with snapshots and visualizations over time.

Current Net Worth

0

Latest snapshot value

Total Change

0

Since first snapshot

Snapshots

0

Total records saved

Snapshot History

Date Assets Liabilities Net Worth Change Change (%) Actions
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Monthly Budget

Organize your spending by category and see how it evolves over time.

Quick actions
Budget:
Expense Type Frequency Start Age End Age Inflation % Monthly Amount Actions
This table shows how your monthly expenses will change over time based on the Start Age and End Age settings for each expense. These are after-tax spending amounts. To see the pre-tax withdrawal amounts needed to support this spending, please refer to the Tax Estimator tab.
Age Needs Monthly Needs Yearly Total Monthly (Needs + Wants) Total Yearly
Add New Expense
Enter the details for your budget item.
Follows current age by default
Follows plan end by default
Global rate follows your calculator setting. Select specific rate to override for this expense.

Mark this expense as a qualified medical expense that can be paid from an HSA (tax-free)

All fields except Notes are required.
Quick Add Subscriptions
Browse common services and instantly add them to your budget.
Filter by category
Click Add for any subscription to include it in your budget.
Add Large Infrequent Expense
Big-ticket purchases spread into monthly equivalents for accurate budgeting.
Filter by category
Click Add for any expense to include it in your budget.

Delete Expense

Are you sure you want to delete this expense?

Add Common Monthly Expense
Select common expenses and adjust the estimated monthly cost as needed.
Filter by category
Click Add for any expense to include it in your budget.

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Spending Smile - Retirement Spending Pattern Calculator

Would you like to travel more in early retirement and spend less in the later years? Do you anticipate higher healthcare costs in the later years? The Spending Smile allows you to customize your retirement spending pattern to reflect your personal retirement desires and expectations. By default, the calculator uses a standard inflation-adjusted withdrawal plan, and you can specify percentages to adjust the spending pattern. Research by David Blanchett (Morningstar, 2013) found that retirees' real (inflation-adjusted) spending typically dips in early retirement and rises again in the late years, forming a gentle "U-shape" or spending smile. Use the tool below to see how that pattern changes your withdrawal targets. Hide this message

Early "Go-Go" Years

Higher initial spending gradually tapering as travel and large purchases slow down.

Middle "Slow-Go" Years

Lower, steadier consumption with reduced discretionary spending.

Late "No-Go" Years

Healthcare, assistance, and support costs begin to increase spending again.

Smile Spending - values based upon your specified Retirement Spending.

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Age Smile % CPI Multiplier Nominal w/ Inflation Adjusted Spend Difference ?

Understanding the Spending Pattern Calculator

This calculator demonstrates how the "retirement spending smile" pattern affects your yearly withdrawals:

  • Smile % - Shows the spending level as a percentage relative to your first year (baseline of 100%).
  • CPI Multiplier - The cumulative effect of inflation over time.
  • Nominal w/ Inflation - What your baseline withdrawal would be after inflation.
  • Adjusted Spend - Your actual withdrawal amount adjusted for both inflation and the spending pattern.

By adjusting points on the graph, you can customize your spending pattern to reflect your personal retirement expectations.

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Community Comparison

See how your plan compares to others in the community. Learn, gain perspective, and find inspiration.

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Shared Net Worth
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Your Position
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Shared Retirement Plans