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 Sarah. Sarah is 42 and has a problem with her retirement forecast.

  • Cash Flow +$641/mo $3,900 income vs. $3,259 out the door
  • Total Debt $7,000 Credit card
  • Retirement Saved $0 nothing put by yet
  • The Hard Truth Runs out of money at age 69 on her current path

For twenty years every spare dollar went to her children, so she never felt able to put anything aside. They have just moved out. Sarah is ready to change.

We’ve pre-loaded Sarah’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 Sarah find a solution.

“I raised my kids first. Now it's my turn.”
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