How it works
Answer seven short sections. Get a projection you can check.
About ten minutes to set up. Nothing is locked once entered — come back and change any assumption, and the plan re-runs on the figures you actually believe.
Step one
Tell us where you will be living.
Your country sets the currency, the inflation rates, the return assumptions and which statutory schemes appear — EPF and PPF in India, CPF in Singapore, a 401(k) in the US.
Every rate is shown with its source, and every one is yours to change.
Step two
What you earn, own, owe and want.
Income, savings, property, loans, monthly spending, and the one-off costs ahead — a degree, a wedding, a house.
Each goal is inflated at its own class, so a degree in 2044 is priced at education inflation rather than the general rate.
Step three
Your plan, year by year.
Four headline figures: what you stop earning on, what is left at the end, how fast you draw it down, and whether it lasts.
Underneath them is the full ledger — opening savings, income, growth, spending, withdrawals — for every year of the plan.
Step four
Then find out what would break it.
A 2008-style crash, a sustained inflation run, living ten years longer than planned. Each is drawn against your base plan rather than replacing it.
A plan that only works if nothing goes wrong is worth knowing about before it has to.
Find out what your number is.
About ten minutes to set up, and you can change every assumption we use. If the answer is uncomfortable, it is better to know now — that is the whole point of projecting it.
Start your plan