Can I retire in the next 3 to 5 years?
Put a few dates side by side. See what changes when you keep saving a little longer, stop working earlier, or adjust your spending.
Make room
for your
next chapter.
A clearer retirement plan. More possibilities for the life you want to live.
Start free. No credit card or bank connection required.
A little preview of the possibilities.
Example household- Investments today
- $1.10M
- Home equity today · kept separate
- $650k
- Projected year-end investments
- $1,558,668
This example funds its modeled spending through the full projection.
Explore this exampleFictional household, calculated from $58,000 annual spending, Social Security, estimated federal tax, healthcare, and sample return assumptions. Illustrative projections, not a prediction.
Big life choices.
A little more clarity.
For households 1 to 7 years from retirement, with real savings and a life worth planning for. Start with the question that matters to you.
Explore the sample
What if markets have a bad start?
Explore downside scenarios and historical downturns. See how difficult first years can affect the money available later.
What will my retirement actually cost?
Bring saved healthcare costs, income streams, and estimated federal taxes into the picture. Keep home equity separate from money available for spending.
Your savings.
Your spending.
Your say.
You set the assumptions. Pathwyze helps you see how they fit together, so the next step feels less like a guess.
Start your plan- 1
Bring your finances into view.
Add investments, spending, and a retirement date. Enter balances yourself or import a supported broker CSV. No bank connection required.
- 2
Explore a few different futures.
Build a free baseline, then use paid analysis tools to compare dates, spending choices, and difficult market paths.
- 3
Keep the tradeoffs visible.
See year-by-year cash flow, the assumptions behind the result, and any unfunded spending. Export a report when you want to take the conversation further.
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
$0
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
$90/year
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
$180/year
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
* Currently supports US stock markets only.
A planning tool.
With its workings in view.
Retirement projections are illustrations, not predictions. Future returns, inflation, spending, and your own circumstances can change. You can edit the assumptions and explore what happens next.
Saved Social Security and other income streams reduce the amount needed from investments. Saved healthcare profiles and estimated federal taxes affect the main projection. Home equity and other illiquid assets stay separate from spending money.
Federal tax estimates have limits: state taxes, penalties, credits, required distributions, and investment-income surtaxes are not included in the main projection. Individual planning tools have their own assumptions. Use Pathwyze alongside qualified advice for important tax, legal, or investment decisions.
The next chapter
is yours to plan.
Start with the life you want. See how the numbers fit.
Start your plan