Projections
See how often savings last, milestone balances, income sources, safe spending, and tested fixes.
Compass: Free Retirement Planner & ModelerA retirement plan you can see, test, and keep.
Compass connects savings, spending, Social Security, Medicare, taxes, Roth conversions, cash flow, and both spouses in one guided plan. Then it tests that plan across 2,000 possible market futures.
FreeNo account or emailSaved in your browserExport and import anytime
Start with the questions that matter. Add detail as you go.
Compass walks through seven clear steps: you, a spouse or partner, savings, property and debt, spending, plan options, and a final review. A quick estimate is also available when you only want a first look.
1You2Spouse3Savings4Property & debt5Spending6Plan options7Review & run
A clear first answer
Know whether the plan works—and what would improve it.
The dashboard translates a large simulation into decisions you can use. See how often your money lasts, the monthly spending level the plan supports, projected savings at retirement, lifetime taxes, key ages, and the changes most likely to help.
- 2,000 market futures per run
- Weak, typical, and strong paths
- Real market history from 1928–2025
- Specific fixes tested against the same plan
Cash Flow
Trace where every retirement dollar comes from and where it goes.
Choose weak, typical, or strong markets and follow income and expenses year by year. The interactive “One Year, Traced” view separates spending, healthcare, taxes, and money moved to Roth, while showing what changed in savings.
- Social Security, pay, pensions, and account withdrawals
- Today’s dollars or future dollars
- Milestones for retirement, Medicare, RMDs, and conversions
- Flow and step-down views, plus a full table
Net Worth
See the full household balance sheet over time.
Compass combines retirement accounts, Roth savings, cash, property, and debts in one timeline. Switch market paths, inspect any year, view the after-tax value of pre-tax money, and log real net worth check-ins against the forecast.
- Assets and debts on the same chart
- Year-specific account breakdowns
- Home, other property, vehicles, business interests, and loans
- A monthly or quarterly net worth tracker
Paycheck, tax, and Roth planning
Plan the spendable paycheck, not just the portfolio balance.
The Retirement Paycheck view shows monthly spending after tax, healthcare, and account withdrawals. Tax tools map brackets, IRMAA, Social Security taxation, RMDs, and survivor years. Roth tools compare fixed conversions or bracket-filling strategies before you change the plan.
- Safe monthly paycheck at 75%, 85%, or 95% confidence
- Federal and state tax estimates with Medicare surcharges
- Low-tax-year and survivor-tax insights
- Roth conversion windows and side-by-side comparisons
Ask Compass
A private guide that understands the plan on screen.
Ask a question in plain language or use a suggested prompt. Compass Guide can explain the result, point to the next useful page, test realistic changes, and check inputs that may be missing or mistyped. It runs in your browser and never changes the plan unless you choose to keep a change.
Explore the decisions retirees actually face.
Each page uses the same household data, so changing one assumption updates the connected result.
Expense Planner
Itemize housing, travel, healthcare, debt, daily life, and one-time expenses by age.
Social Security
Use statement amounts or estimates, compare ages 62–70, and model spouse and survivor benefits.
Healthcare & Medicare
Estimate pre-65 coverage, Part B, Medigap, Part D, out-of-pocket costs, inflation, and IRMAA.
Stress Tests
Replay real retirements from 1928 onward and isolate sequence risk by reversing the same returns.
Scenarios
Save named versions of a plan, change one decision, and compare results side by side.
Plan options
Add Roth conversions, survivor years, QCDs, one-time money, a glide path, or a TIPS ladder.
Annual check-ins
Log current savings and spending, compare with the original range, and create a new baseline when needed.
Private by design
Your plan stays under your control.
Compass runs and saves the plan in your browser. No account or email is required. Download a PDF, export the complete plan as a file, and import it later on the same or another device.
Browser autosavePDF reportJSON export/importPhone, tablet, and desktop
Free · no signup
Open Compass →Build your retirement plan in Compass.
Begin with a quick estimate or create the full household plan. Add detail, test choices, and save a copy when you are ready.
Compass is for education and planning. It is not investment, tax, legal, or healthcare advice, and its projections are estimates rather than guarantees.