See whether you can retire soon without cutting your lifestyle.
Pathwyze helps affluent pre-retirees model spending, Social Security, taxes, and bad-market risk before they leave work.
Built for households with something to protect. If you have real savings, real spending needs, and a retirement date that is starting to feel close, this is where you pressure-test the plan before making the jump.
Free plan available. No credit card required.
Retirement readiness
Inputs, stress tests, decision levers
Target retirement date
January 2030
Portfolio durability
Stress-test before you rely on it
Spending target
$8,900/mo
Guaranteed income
Social Security at 67
Key risk
Bad first 5 years
Decision levers
Retire at 62 vs 64
Delay Social Security
Spend 8% less
Built for households with something to protect
Pathwyze is not a generic budgeting app or a one-number retirement calculator. It is for people close enough to retirement that the wrong decision feels expensive.
Close enough that the decision feels real
Best for households within 1 to 7 years of retirement that want a sharper answer than a generic retirement calculator can give.
Enough saved that mistakes are expensive
Built for affluent pre-retirees, often with $750k to $2.5M invested, who want to protect the lifestyle they have worked to build.
DIY or lightly advised households
Useful when you are making the calls yourself or want a second lens before relying on an advisor recommendation.
Questions Pathwyze helps you answer
Each module is built around a high-stakes retirement decision, not generic portfolio reporting.
Can I retire in the next 3 to 5 years?
Model retirement timing, spending, and contributions to see whether your current plan is durable enough to stop working soon.
How much can I safely spend each year?
Turn a portfolio balance into a realistic spending target instead of relying on a single withdrawal-rate shortcut.
What if markets fall right after I retire?
Stress-test sequence risk, bad first years, and higher inflation before a downturn forces painful changes.
How do Social Security and taxes change the answer?
See how claiming timing, taxable income, and withdrawal order affect the cash flow your portfolio needs to carry.
Go deeper when the decision gets expensive
Decision Analysis and Retirement Toolkit focus on the questions affluent pre-retirees usually ask last, but should ask first.
Start with a free readiness baseline, then add scenario comparison, stress testing, and retirement-income tools when you need more conviction.
How the readiness check works
Build a baseline, then pressure-test the choices that most affect whether retirement still works after a bad surprise.
Map your household finances
Start with balances, retirement accounts, spending, and expected income so the baseline reflects your real life.
Set the decisions you are actually weighing
Adjust retirement date, Social Security timing, inflation, spending, and market assumptions instead of accepting one canned forecast.
Pressure-test the weak points
Compare scenarios, downside paths, and tradeoffs to see what would break the plan and what would make it sturdier.
What this tool does and does not do
Pathwyze helps you pressure-test a retirement plan under uncertainty. It is especially useful when you are close to retirement, have real savings at stake, and want to understand whether spending, market risk, and timing still work together.
This is not a prediction. No one can predict markets. The point is to show how retirement timing, spending, taxes, Social Security, and bad-market sequences change the odds across a range of outcomes.
Assumptions we make: Default return and volatility estimates are based on historical data. You can edit inflation, longevity, retirement timing, and spending assumptions. The analyses are most useful when your inputs reflect the life you actually expect to live.
What we do not replace: Personalized tax, estate, insurance, or legal advice. Pathwyze helps you make a clearer retirement decision before you commit, not replace a full advisory relationship.
Pricing
Start with a free retirement readiness check. Upgrade when you want deeper downside analysis, scenario comparison, and retirement-income tools.
Save 17% with annual billing
Free
Build a retirement readiness baseline and see whether your current spending, timing, and savings are in range.
- Create up to 3 plans
- Baseline retirement readiness projection
- Edit retirement timing, spending, and assumptions
Decision Analysis
For pre-retirees deciding whether they can retire soon, spend more, or withstand a bad-market start.
- 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 households that want retirement income, tax, Social Security, and healthcare decisions modeled together.
- Everything in Decision Analysis
- Tax-optimized withdrawal guidance
- Social Security + healthcare modeling
- Rebalancing alerts
Start your free retirement readiness check
See whether your current spending, savings, and retirement date still hold up if inflation stays high or markets disappoint early.
See if you're ready