Input
For research and education only. Hypothetical results. Not personalized advice.
Type values in, or speak or upload documents and check what was read, then calculate.
Type it in, speak, or upload a document, then check and calculate.
- 1Input method
- 2Enter (type · speak · documents)
- 3Confirm
- Only when you use ‘Describe in words’ is the text you write passed to an AI provider (Anthropic). Do not write your name, Social Security number or account numbers.
- Document files are deleted as soon as they are read. See the privacy notice for details.
Tell us about your household whichever way suits you. Values you speak or upload are not calculated until you confirm them. Amount, currency, period, owner, year, residence and as-of date are confirmed field by field regardless of confidence (there is no ‘all correct’ button). If you type values in, we calculate when you press ‘Calculate’.
Thresholds (pre-registered prereg-1 (2026-10-16)): voice numbers, units, currency 0.85 · documents amount and year 0.9. Below that the value is blanked and we ask again.
Write about your household and AI reads it into items. Calculation happens only after you check each value below yourself.
AI reading accuracy is checked with statistics on whether values were edited (the values themselves are not recorded).
What you write is analyzed by an external AI — see the privacy notice
If you want to use your voice
On a PC, click the text box, then press ⊞+H on Windows or fn twice on a Mac to turn on dictation. If you use your keyboard’s voice input (phone or PC dictation), what you say may be sent to that provider under the device’s and provider’s policy. Use it knowing that, correct the dictated text in the box above, then press ‘Read with AI’.
- The ‘Delete uploaded document and values’ button also clears the values on screen.
Upload a pension estimate, a bank/brokerage balance or a retirement-account balance statement (PDF, JPG, PNG) and it is read into items. Calculation happens only after you check each value below yourself.
Accepted files: PDF, JPG or PNG, up to 10 MB each (PDFs up to 5 pages). Document files are deleted as soon as they are read.
A photo you take is read the same way.
Type it in
Fill in the fields and press ‘Calculate’; the engine calculates with the values you entered. Entered values are not stored and disappear when you refresh.
The four key numbers and the path to them.
Your numbers appear here after you enter your household in ⓪ Input and calculate.
Is the target spending inside this range?
Until what age do assets last?
Input summary
Why this result — line by line
Balance path, pension and tax, spending without borrowing versus lifetime average.
Asset balance path — three assumptions
How much after-tax pension and tax each year
Spending without borrowing vs lifetime average
Calculation steps
Calculation steps
Calculation steps
Table by year
Federal income tax, Social Security taxation, investment income, state tax and your status.
Tax calculation steps (first year with Social Security)
Claiming age, multipliers and the steps that set the monthly pension.
Social Security — if the claiming age changes
Required return, tolerable drawdown, public models, value path, sealed-record status.
Return you need (after / before inflation)
Return you need vs public models (past record)
Models in range and their record status
The rules we used, when they take effect, how well they were checked, test results, and what we could not calculate.
Rules used in this calculation
Verification test sets
Passing tests does not mean a rule fits your situation.
| Test set | Cases | Passed | Failed |
|---|---|---|---|
| dev | 135 | 135 | 0 |
| eval | 698 | 698 | 0 |
| eval2 | 214 | 214 | 0 |
| eval3 | 147 | 147 | 0 |
| eval4 | 260 | 260 | 0 |
| eval5 | 79 | 79 | 0 |
| eval6 | 53 | 53 | 0 |
| eval7 | 56 | 56 | 0 |
| eval8 | 103 | 103 | 0 |
| eval9_external | 20 | 20 | 0 |
| eval10_v12 | 29 | 29 | 0 |
| eval11_v12 | 42 | 42 | 0 |
| eval13_viz | 55 | 55 | 0 |
| eval14_noborrow | 49 | 49 | 0 |
| ext2_household | 20 | 20 | 0 |
| eval15_treaty | 81 | 81 | 0 |
| eval16_medicare | 61 | 61 | 0 |
The six kinds of unknown
| Name | Meaning | Who can fix it |
|---|---|---|
Missing inputMISSING_INPUT | An input needed for the answer is empty. | You |
Ambiguous inputAMBIGUOUS_INPUT | The input is there but can be read in more than one way. | You |
Conflicting inputCONTRADICTORY_INPUT | Each value looks valid on its own, but together they conflict. | You |
Out of scopeOUT_OF_SCOPE | This is outside what this tool is designed to cover. | Our team (development) |
Rule gapRULE_GAP | The rule has not been verified or built yet, or has not been published. | Our team (development) · Official source or professional review |
Rules out of dateSTALE_RULE_BUNDLE | A newer published value exists, but the rule bundle in use predates it. | Our team (development) |
An item with no answer is shown as Unknown. We do not fill it with 0. Any assumption we use is labeled ‘Assumption’.
Not calculated yet — we need more information.
Three assumption sets, sensitivity grid, points to re-check.
Three assumption sets
What happens to monthly spending if the return or the start age changes?
Points to re-check
Save the result as a PDF.