Retirement Forecaster

Strategy Sandbox

This is the real tool, running on a made-up person so you can try it before signing up for anything. Change the levers and watch the future update in real time — nothing here is saved.

Meet Marcus and Elena. Marcus and Elena are 45 and 43 and have a problem with their retirement forecast.

  • Cash Flow +$858/mo $7,600 income vs. $6,742 out the door
  • Total Debt $23,000 Auto loan & Credit card
  • Retirement Saved $60,000
  • The Hard Truth Runs out of money at age 78 on their current path

Marcus and Elena have done what they were told to do — a little into the 401(k) every month, for years. Nobody ever showed them what it added up to. Marcus and Elena are ready to change.

We’ve pre-loaded Marcus and Elena’s profile so you can test drive the engine right now. When you create your own account you’ll complete a detailed onboarding (about 20 minutes) to plug in your real numbers before unlocking your own Strategy Sandbox.

Your challenge: Use the strategic levers on the left to help Marcus and Elena find a solution.

“We've been saving. Is it enough?”
Things mostly inside your control and influence
Drag a lever and watch your future change.
⚠ Things mostly outside your control and influence
These are your numbers, but not your decisions — the market sets them. Raising one makes the projection rosier without changing your real life, which is what we call Eraser Syndrome. Adjust them to see what a different market would mean, but build your plan on the levers that are actually in your hands.
Your plan nowThis experiment
Net worth & debtnow
Net worth & debtexperiment
Income & expensesnow
Income & expensesexperiment
Your Financial Story nowThis experiment
Milestonesnow
    Milestonesexperiment
      Sources. Job-switcher vs. job-stayer wage growth: Federal Reserve Bank of Atlanta, Wage Growth Tracker (June 2026: 4.1% for those changing jobs vs 3.4% for those not; the switcher premium peaked near 16% in April 2022). Figures are medians across the whole economy and vary considerably by industry, age, and region.

      Social Security earnings test — the $1-for-$2 withholding that applies if you claim while still working before full retirement age, and the recalculation that restores it afterwards: SSA, Receiving Benefits While Working and SSA, Exempt Amounts Under the Earnings Test (2026 annual exempt amount: $24,480 for people under full retirement age all year; $65,160, withheld at $1 for every $3, in the year full retirement age is reached). Annual exempt amounts are indexed and change every year — SSA 2026 COLA fact sheet. Verify your own benefit at ssa.gov.
      Become an affiliate — earn 30% per new customer.
      Every number this tool produces is an educated estimate, not a guarantee — and not financial advice. Social Security figures are the roughest of all; verify yours at ssa.gov.
      Terms · Privacy · Refund Policy · FAQ · Glossary · Help Resources