Retirement planning for real life, not one perfect forecast.
Whether retirement is decades away or already here, Pathwyze helps you model savings, spending, inflation, and bad markets so you can see how long your plan may last.
Most calculators give you one projection. Pathwyze helps you compare many possible outcomes and see which choices improve your odds.
No credit card required. Start with your real numbers in minutes.
Plan overview
Inputs, assumptions, outcomes
Outcome range
Best, typical, worst paths
Longevity odds
See how long money lasts
Key inputs
Balances, income, spending
Assumptions
Returns, inflation, longevity
Decision levers
Retirement timing, savings, spending
Sensitivity check
Inflation changes
Spending increases
Market drawdowns
Built for self-directed retirement planners at different stages.
The common thread is not age. It is wanting a clearer answer to, "What happens to my plan if life or markets go differently than expected?"
Still building
Pressure-test savings rate, retirement age, and portfolio assumptions while you still have time to adjust.
Getting close
Compare retirement timing, spending targets, and bad-market scenarios before you make the jump.
Already retired
Model how far your nest egg may go, what higher inflation does, and which changes improve your runway.
Questions Pathwyze helps you answer
Each module is there to help you make a real retirement decision, not just admire a chart.
See the full range of outcomes
Understand best, typical, and worst paths for your plan instead of a single forecast.
Know which choices change the odds
Test retirement timing, spending, and savings to see which decisions meaningfully shift risk.
See downside and recovery
Learn how bad markets pressure your plan and what adjustments improve resilience.
Plan for longer life and higher costs
See how a longer retirement or higher prices change the odds, and what choices keep your plan on track.
Go deeper when you need to
Decision Analysis and Retirement Toolkit add the pressure tests most calculators skip.
Start with a free plan, then add scenario comparisons, historical stress testing, and retirement-income tools when you want more depth.
How it works
Build a baseline, then stress-test the decisions that matter most to your retirement runway.
Map your current picture
Start with your balances, savings, income, and spending so the plan reflects your real life.
Set the assumptions that matter
Review inflation, returns, retirement timing, and longevity so you can see what is driving the result.
Compare the tradeoffs
Test earlier retirement, higher spending, extra savings, or tougher markets to see what changes the odds.
What this tool does and does not do
Pathwyze helps you pressure-test a retirement plan under uncertainty. Monte Carlo simulation is one piece, but we also compare scenarios, test sensitivity to key assumptions, and replay history to see how specific market sequences can change the outcome.
This is not a prediction. No one can predict what markets will do. The analyses help you understand risk by showing how timing, spending, savings, and market sequences shift the odds across a range of outcomes.
Assumptions we make: Default return and volatility estimates are based on historical data. We include inflation and longevity assumptions that you can edit. We don't model individual stock picking, market timing, or active management. We assume you'll roughly follow your stated plan.
What we don't include: Estate planning, long-term care costs, health insurance details, or complex tax situations like business income. This tool helps you think through retirement tradeoffs more clearly, not replace a full financial plan.
Pricing
Start free. Upgrade only when you want deeper analysis, scenario comparisons, and retirement-income tools.
Save 17% with annual billing
Free
Build your first retirement plan and see how long it may last under one set of assumptions.
- Create up to 3 plans
- Baseline projection and charts
- Edit retirement timing, spending, and assumptions
Decision Analysis
For self-directed planners who want to compare scenarios and see downside risk before making changes.
- Unlimited plans and assets
- Outcome ranges across many market paths
- Side-by-side scenario comparison
- Historical stress testing and downturn replay
- Export reports (PDF/CSV)
- Market data refresh for US stocks*
Retirement Toolkit
For people who need retirement income, tax, Social Security, and healthcare planning tools in one place.
- Everything in Decision Analysis
- Tax-optimized withdrawal guidance
- Social Security + healthcare modeling
- Rebalancing alerts
Start with a free plan, then decide how much detail you need.
Build a baseline, see the downside, and upgrade only if you want deeper analysis.
Start free