Frequently Asked Questions

Pathwyze is best for affluent pre-retirees within about 1 to 7 years of retirement who want to pressure-test spending, retirement timing, Social Security, taxes, and bad-market risk before they stop working.

Our projections use your current financial data, expected contributions, and assumed growth rates to model your portfolio over time. You can adjust variables like expected return rates, inflation, and withdrawal strategies to see different outcomes. The projections are meant to be educational tools, not financial advice.

Yes, we take data security seriously. Your data is encrypted both in transit and at rest. We never share your personal financial information with third parties. You can delete your data at any time from your account settings.

You can share a read-only version of your plan by clicking the "Share" button on your plan page. This generates a unique link that allows others to view your projections without being able to edit them. You can revoke access at any time.

Free includes up to 3 plans with basic projections and 5 assets per plan. Decision Analysis adds unlimited plans and assets, Monte Carlo simulations, scenario comparison, sequence-of-returns analysis, AI-powered insights, plan sharing, and CSV/PDF export. Retirement Toolkit includes everything in Decision Analysis plus Social Security optimization, healthcare cost modeling, tax-optimized withdrawals, income-stream planning, and RMD calculations.

You can delete your account from the Account settings page. This will permanently remove all your data, including saved plans and projections. This action cannot be undone.

Yes, you can export your plan data from the Account settings page. We provide exports in common formats that you can use with other financial planning tools or spreadsheets.

No. Pathwyze is an educational tool for financial planning and modeling. The projections and information provided should not be considered financial, investment, or tax advice. We recommend consulting with a qualified financial advisor for personalized advice.

Decision Analysis includes 300 AI requests per month, and Retirement Toolkit includes 1,000 requests per month. Each question you ask the AI Plan Assistant counts as one request. Your limit resets on the first of each month. Very large responses may occasionally count as multiple requests. You can see your current usage in the chat panel.

As you approach your limit, you'll see a usage indicator in the chat panel. When you're close to the limit, responses may be shorter to help you get more value from your remaining requests. Once you reach the limit, you'll need to wait until the next month or upgrade to a higher tier for more requests.