Start with a free readiness check. Upgrade when you want deeper scenario testing, stress analysis, and retirement-income tools.
Save up to 17% with annual billing
Build a retirement readiness baseline and see whether your timing, spending, and savings are in range.
Start readiness checkSave $20/year
Billed annually at $100
Compare scenarios, model downside risk, and pressure-test whether retiring soon is durable.
Choose Decision AnalysisSave $40/year
Billed annually at $200
Add retirement-income, tax, Social Security, and healthcare planning tools before you lock in major decisions.
Choose Retirement Toolkit| Features | Free | Decision AnalysisPopular | Retirement Toolkit |
|---|---|---|---|
| Core Features | |||
Retirement Plans Number of plans you can create | 3 | Unlimited | Unlimited |
Assets per Plan Number of investments you can track | 5 | Unlimited | Unlimited |
Basic Projections View year-by-year portfolio projections | |||
Basic Charts Visualize your retirement trajectory | |||
CSV Export Export your projection data to spreadsheets | |||
Plan Sharing Share plans with family members or advisors | |||
Ad-Free Experience No promotional banners or advertisements | |||
| Advanced Analysis | |||
Monte Carlo Simulations Run 1000+ randomized scenarios to see your probability of success | |||
Scenario Comparison Compare 3-5 scenarios side-by-side (retire at 55 vs 60) | |||
Sequence of Returns Risk Model what happens if a crash occurs in year 1 vs year 10 | |||
Historical Backtesting See how your portfolio would have performed in past markets | |||
| Retirement Planning | |||
Tax-Optimized Withdrawals Model Roth vs Traditional vs Taxable withdrawal ordering | |||
Income Streams Add Social Security, pensions, rental income to your plan | |||
Goal Tracking Track your progress toward retirement over time | |||
Social Security Optimizer Optimize your claiming age to maximize lifetime Social Security benefits | |||
Healthcare Cost Modeling Model Medicare, pre-Medicare costs, and long-term care scenarios | |||
Joint Planning Link accounts with your spouse/partner for combined retirement planning | |||
RMD Calculator Calculate Required Minimum Distributions from Traditional accounts | |||
| Integrations & Reports | |||
Rebalancing Alerts Get notified when your allocation drifts from targets | |||
PDF Reports Generate professional reports to share with family or advisors | |||
AI Plan Assistant** Chat with AI to understand your retirement plan | 300/mo | 1000/mo | |
Knowledge Bank Save and organize valuable AI insights for future reference | |||
Auto-Refresh Prices* Automatically update stock prices with end-of-day market data | |||
Use the free plan to build a baseline. Upgrade when the next retirement decision needs deeper scenario modeling, exportable output, or retirement-income tools.
Start with Free if you need a baseline retirement readiness check. Choose Decision Analysis when you want scenario comparison, downside-risk testing, exports, and AI-assisted plan review. Choose Retirement Toolkit when retirement-income details such as Social Security timing, healthcare costs, tax-aware withdrawals, and RMD planning are part of the decision.
Yes. The pricing table lists the major differences across Free, Decision Analysis, and Retirement Toolkit so you can decide whether you need deeper modeling before you pay. Most near-retirement households upgrade when they need to compare multiple retirement dates, spending levels, or market-stress assumptions.
No. Pathwyze is educational retirement planning software. It helps you organize assumptions and pressure-test tradeoffs, but it does not provide personalized financial, investment, tax, or legal advice. Use the output as planning context and confirm major decisions with qualified professionals.