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AI Future Copilot

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Explore what-if scenarios with AI

Current Age

Retirement Age

years

Life Expectancy

yrs

How long you plan for (default: 95)

Annual Salary

$

Used for Contribution Co-Pilot and income estimates

Available Tax Inputs
Tax Year
Filing Status
Tax State
Federal Bracket
Pro Feature: Tax Planning

Free users can view all configurable tax levers; Pro unlocks editing and what-if tax optimization.

Tax Year

Filing Status

Tax State

Federal Bracket

Capital Gains

Deduction

Itemized Amount

$

Charitable Giving

$

State Rate Override

%

Effective Rate Override

%

Include IRMAA Surcharge

Roth Conversion Plan

Auto filing status uses married only when both spouses are projected alive at retirement; otherwise single. Use US if you only want federal + IRMAA assumptions.

Current Balance

$

401(k) Contribution Mode

Age 30 (2026) 401(k): $10,000Employee: $10,000
Age 50 (2046) 401(k): $10,000Employee: $10,000
Age 60 (2056) 401(k): $10,000Employee: $10,000
Age 64 (2060) 401(k): $10,000Employee: $10,000
Auto mode follows yearly IRS limits without optional catch-up boosts.
Auto mode here applies to 401(k) only. IRA and HSA modes are set in Other Income & Investments.
Quick Picksⓘ
2026 IRS limit: $24,500 employee / $24,500 with catch-up

Annual Contribution: $10.0k

2026Limit

Other income & investment presets

Select a preset to create a dedicated section. Each chip stays active while entries exist so you can add, edit, or remove multiple rows per income or account type.

Company Pension
Rental Property
Annual Bonus
Savings/CD Ladder
Side Income
Roth IRA Ladder
Taxable Brokerage
Traditional IRA
Health Savings Account

No income sources or accounts yet. Use the chips above to start modeling additional retirement inflows.

Add first entry

Marriage Boost
Start a Family
College Tuition
Career Break
Retire Early
Custom Event

No events added yet. Start with a preset or create your own recurring boost or expense.

Add custom event

Available Medicare Inputs
Enrollment Age
Current Plan Path
Part B Monthly

$

Out-of-Pocket Annual

$

Pro Feature: Medicare Decisioning

See exactly which Medicare assumptions are configurable, then upgrade when you want to apply and test them.

Available Estate Inputs
Legacy Goal

$

Annual Gift Exclusion

$

Include Primary Home
Step-up in Basis
Pro Feature: Estate & Legacy

Preview the estate planning inputs now, and unlock them when you are ready to model legacy outcomes.

Debt & Liabilities

Debt Payoff Strategy

No debts added.

Insurance

Term Life Insurance

Long-Term Care Insurance

Disability Benefit

$

Disability Premium

$

Windfalls

No windfalls added.

Available Advanced Inputs
Annuities
Spending Curve
Essential Expenses

$

Return Distribution
Pro Feature: Advanced Planning

Preview every advanced control now; Pro lets you tune them and measure plan resilience in detail.

Annuities

No annuities added.

Spending Profile

Retirement Spending Rate

%

Spending Curve

Essential Expenses

$

Discretionary Budget

$

Budgeted target $0/mo
Monte Carlo Controls

Return Distribution

Volatility Override

%

Correlations

Control how income is drawn across taxable and tax-advantaged accounts

PRO

Advanced Withdrawal Strategy Analysis

Free/Standard: Documents your strategy choice (numbers remain same)
Premium: Tracks separate 401(k), Roth, and Brokerage accounts with real tax impact — typically shows 15-25% more after-tax retirement income with tax-efficient withdrawals

Expected Return: 7.0%

Balanced

Inflation: 3.0%

Moderate Inflation

Target Mode

$6,667/mo

Auto: 80% of household income

80% × $8,333/mo household income

Confidence: medium. This target drives coverage %, gap, and plan actions.

Optimization Goal
Find the highest monthly retirement goal that satisfies your desired success probability.
Success Target
Set a manual success threshold.
Success Rate Target80%
About 80 of 100 scenarios fund the full plan.
Minimum Ending Balance
Require the portfolio to preserve at least this amount at the planning horizon.
Baseline
Future strategy workspace

Coverage & Income

39%

$2,177

Monthly

$26.1K

Annual

61% gap to full coverage

AI optimization available

Portfolio & Growth

$681.0K

Future milestone target

Contributions

$350.0K

Growth

$1.52M

Target age

Age 65

Actions & Strategy

61% shortfall

Boost monthly savings

$933/mo target

Delay retirement by 2 years

Now 35 years to retire

Medicare +$2,400/yr

Plan Snapshot

35

Years to retire

Savings rate

10%

Annual contribution

$10.0K

Target age

Age 65

Life expectancy

Age 95

Compare the selected scenario directly with your baseline scenario

Baseline

10.0% savings • 39.2% coverage
Baseline
Annual

$10,000

Final

$680,985

Delta

—

What-If 1

15.0% savings • 38.7% coverage
Annual

$16,500

Final

$1,146,909

Delta
$465,924
Final Balance
$680,985
+$0 vs baseline
Coverage
39.2%
+0% vs baseline
Annual Contribution
$10,000
+$0 vs baseline
Savings Rate
10%
+0% vs baseline

Rankings and performance metrics for all scenarios

Best Growth
What-If 1

$1,146,909

Final balance

$2,447,488 total growth over 33 years

Best Coverage
What-If 1

38.7%

Income coverage

$3,546 monthly income in retirement

Most Efficient
What-If 1

$2

Per $1 contributed

$544,500 total contributions

Top Scenarios by Final Balance

What-If 1

38.7% coverage • 15% savings rate
$1,146,909
+$465,924

Baseline

39.2% coverage • 10% savings rate
$680,985

AI Actions

Deterministic recommendations based on your base plan.

Increase retirement savings

You are short $3,378/mo. Focus on contribution increases and retirement age tuning.

~+$1,520/mo impact

Boost savings to cover late-retirement years

17 retirement years are projected below target. Increase annual savings now to improve later-retirement coverage.

~+$840/mo impact

Switch to Medicare Advantage

Save ~$2,400/yr on Medicare costs by switching plans.

~+$200/mo impact

Start a Roth conversion ladder

Convert up to $81,700/yr while staying within tax guardrails. Keep MAGI below 109,000 to avoid the next IRMAA surcharge tier.

~+$290/mo impact

Year-by-Year Comparison
Year-by-Year
Age 31
Contribution

$10,000

Growth

$1,650

Withdrawal

$0

End Balance

$61,650

Δ vs Baseline

$6,797

Age 32
Contribution

$10,000

Growth

$1,820

Withdrawal

$0

End Balance

$73,471

Δ vs Baseline

$13,851

Age 33
Contribution

$10,000

Growth

$2,005

Withdrawal

$0

End Balance

$85,475

Δ vs Baseline

$21,186

Age 34
Contribution

$10,000

Growth

$2,204

Withdrawal

$0

End Balance

$97,680

Δ vs Baseline

$28,819

Age 35
Contribution

$10,000

Growth

$2,419

Withdrawal

$0

End Balance

$110,099

Δ vs Baseline

$36,773

Age 36
Contribution

$10,000

Growth

$2,651

Withdrawal

$0

End Balance

$122,750

Δ vs Baseline

$45,071

Age 37
Contribution

$10,000

Growth

$2,898

Withdrawal

$0

End Balance

$135,647

Δ vs Baseline

$53,736

Age 38
Contribution

$10,000

Growth

$3,162

Withdrawal

$0

End Balance

$148,809

Δ vs Baseline

$62,793

Age 39
Contribution

$10,000

Growth

$3,443

Withdrawal

$0

End Balance

$162,253

Δ vs Baseline

$72,267

Age 40
Contribution

$10,000

Growth

$3,742

Withdrawal

$0

End Balance

$175,995

Δ vs Baseline

$82,187

Age 41
Contribution

$10,000

Growth

$4,059

Withdrawal

$0

End Balance

$190,054

Δ vs Baseline

$92,581

Age 42
Contribution

$10,000

Growth

$4,395

Withdrawal

$0

End Balance

$204,448

Δ vs Baseline

$103,480

Age 43
Contribution

$10,000

Growth

$4,749

Withdrawal

$0

End Balance

$219,197

Δ vs Baseline

$114,914

Age 44
Contribution

$10,000

Growth

$5,124

Withdrawal

$0

End Balance

$234,321

Δ vs Baseline

$126,918

Age 45
Contribution

$10,000

Growth

$5,518

Withdrawal

$0

End Balance

$249,839

Δ vs Baseline

$139,526

Age 46
Contribution

$10,000

Growth

$5,934

Withdrawal

$0

End Balance

$265,774

Δ vs Baseline

$152,775

Age 47
Contribution

$10,000

Growth

$6,371

Withdrawal

$0

End Balance

$282,145

Δ vs Baseline

$166,704

Age 48
Contribution

$10,000

Growth

$6,831

Withdrawal

$0

End Balance

$298,976

Δ vs Baseline

$181,354

Age 49
Contribution

$10,000

Growth

$7,314

Withdrawal

$0

End Balance

$316,290

Δ vs Baseline

$196,767

Age 50
Contribution

$10,000

Growth

$7,820

Withdrawal

$0

End Balance

$334,110

Δ vs Baseline

$212,988

Age 51
Contribution

$10,000

Growth

$8,351

Withdrawal

$0

End Balance

$352,460

Δ vs Baseline

$230,066

Age 52
Contribution

$10,000

Growth

$8,907

Withdrawal

$0

End Balance

$371,367

Δ vs Baseline

$248,048

Age 53
Contribution

$10,000

Growth

$9,489

Withdrawal

$0

End Balance

$390,856

Δ vs Baseline

$266,988

Age 54
Contribution

$10,000

Growth

$10,098

Withdrawal

$0

End Balance

$410,954

Δ vs Baseline

$286,941

Age 55
Contribution

$10,000

Growth

$10,735

Withdrawal

$0

End Balance

$431,690

Δ vs Baseline

$307,964

Age 56
Contribution

$10,000

Growth

$11,402

Withdrawal

$0

End Balance

$453,091

Δ vs Baseline

$330,120

Age 57
Contribution

$10,000

Growth

$12,098

Withdrawal

$0

End Balance

$475,189

Δ vs Baseline

$353,470

Age 58
Contribution

$10,000

Growth

$12,825

Withdrawal

$0

End Balance

$498,013

Δ vs Baseline

$378,084

Age 59
Contribution

$10,000

Growth

$13,584

Withdrawal

$0

End Balance

$521,597

Δ vs Baseline

$404,030

Age 60
Contribution

$10,000

Growth

$14,376

Withdrawal

$0

End Balance

$545,973

Δ vs Baseline

$431,386

Age 61
Contribution

$10,000

Growth

$15,203

Withdrawal

$0

End Balance

$571,176

Δ vs Baseline

$460,227

Age 62
Contribution

$10,000

Growth

$16,065

Withdrawal

$0

End Balance

$597,241

Δ vs Baseline

$490,638

Age 63
Contribution

$10,000

Growth

$16,964

Withdrawal

$0

End Balance

$624,205

Δ vs Baseline

$522,704

Age 64
Contribution

$10,000

Growth

$17,901

Withdrawal

$0

End Balance

$652,107

Δ vs Baseline

$506,271

Age 65
Contribution

$0

Growth

$28,878

Withdrawal

$0

End Balance

$680,985

Δ vs Baseline

$488,977

Age 66
Contribution

$0

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Δ vs Baseline

$500,677

Age 67
Contribution

$0

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Δ vs Baseline

$512,494

Age 68
Contribution

$0

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Δ vs Baseline

$524,429

Age 69
Contribution

$0

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Δ vs Baseline

$536,483

Age 70
Contribution

$0

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Δ vs Baseline

$548,657

Age 71
Contribution

$0

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Δ vs Baseline

$560,953

Age 72
Contribution

$0

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Δ vs Baseline

$573,372

Age 73
Contribution

$0

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Δ vs Baseline

$585,916

Age 74
Contribution

$0

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Δ vs Baseline

$598,585

Age 75
Contribution

$0

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Δ vs Baseline

$611,381

Age 76
Contribution

$0

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Δ vs Baseline

$624,304

Age 77
Contribution

$0

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Δ vs Baseline

$637,356

Age 78
Contribution

$0

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Δ vs Baseline

$650,539

Age 79
Contribution

$0

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Δ vs Baseline

$663,854

Age 80
Contribution

$0

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Δ vs Baseline

$677,302

Age 81
Contribution

$0

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Δ vs Baseline

$690,885

Age 82
Contribution

$0

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Δ vs Baseline

$704,604

Age 83
Contribution

$0

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Δ vs Baseline

$718,459

Age 84
Contribution

$0

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Δ vs Baseline

$732,453

Age 85
Contribution

$0

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Δ vs Baseline

$746,587

Age 86
Contribution

$0

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Δ vs Baseline

$760,863

Age 87
Contribution

$0

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Δ vs Baseline

$775,281

Age 88
Contribution

$0

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Δ vs Baseline

$789,843

Age 89
Contribution

$0

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Δ vs Baseline

$804,551

Age 90
Contribution

$0

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Δ vs Baseline

$819,407

Age 91
Contribution

$0

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Δ vs Baseline

$834,411

Age 92
Contribution

$0

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Δ vs Baseline

$849,565

Age 93
Contribution

$0

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Δ vs Baseline

$864,871

Age 94
Contribution

$0

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Δ vs Baseline

$880,330

Age 95
Contribution

$0

Growth

$27,239

Withdrawal

$27,239

End Balance

$680,985

Δ vs Baseline

$895,943

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