1
Enter your numbers
Savings, yearly contributions including any employer match, spending in today’s dollars, and a Social Security amount you choose. Replace every placeholder.
Retirement decision education
See two retirement ages side by side.
Healthy Money is a free Decision Lab. Enter your savings, contributions, spending, and Social Security. Compare retire-at-X with retire-at-Y under the same assumptions. It is education, not a forecast and not financial advice.
The free Lab
Same inputs. Two ages.
Retire at X
- SavingsYour number
- SpendingToday’s dollars
- Social SecurityYou enter it
Retire at Y
- SavingsYour number
- SpendingToday’s dollars
- Social SecurityYou enter it
Inflation assumption in the product: 2.5% a year. On-screen placeholders are not a plan.
In the free Lab
Three steps, then you read the fine print.
2
Pick two ages
The Lab lines the ages up with the same assumptions, so the difference is the choice you are looking at — not a hidden change in the math.
3
Read what is left out
No taxes, fees, account types, required withdrawals, or spousal benefits. Real returns and benefits will vary. The list is on the Lab screen and on the methodology page.
Coming soon
Public purchase coming soon
Plus: a Decision Report and live dials
After a comparison, Plus is a printable report of your inputs and results, plus dials that illustrate a stock, bond, and cash mix. The intended price is $49 once. There is no checkout on this site.
Read first
Two articles, same library.
- How does retirement work? — saving early, spending needs, and asset allocation, as education.
- A beginner’s guide to diversification — asset classes, with a hypothetical 2008 story.
A short boundary
Healthy Money does not tell you when to retire, what to buy, or how much you need. The Lab does not know your taxes, your fees, or the future. Use it to learn the shape of a question. For a personal plan, talk with someone who is allowed to give you advice.