CYFInvestmentsRETIREMENT PLANNING
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How It Works

Build the picture.
Explore the possibilities.

One plan organized around three decisions: what you can spend, which accounts fund it, and when to take Social Security. Compare alternatives when you are ready.

Make a first pass, then refine it.

1

Set your timing

Begin with household ages, retirement timing, income, account balances and a spending estimate.

2

Set your spending

Use a rounded budget first. Add property, debt details, future purchases and spending phases when they matter.

3

Explore the result

Open your results, review the three decisions, and expand charts or detailed worksheets when you want the calculation.

Step-by-step setup

Start with the essentials

1

Household & timing

Enter current ages, retirement timing and how long you want the plan to run.

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2

Spending

Enter monthly living costs in today’s dollars, including healthcare, debt payments and an estimated tax allowance.

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3

Income & benefits

Enter gross income for each person and the ages when it starts and ends. Use age-specific Social Security estimates.

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4

Accounts

Enter balances and identify accounts available for retirement. No account numbers are needed.

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5

Results

Test a spending level, review withdrawal choices and compare Social Security estimates. Optional calculation settings explain which situations are supported.

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Optional details: property, debt and future cash flows

Property and debt inventories are separate from the accounts that fund retirement. Include debt payments once in your spending budget. Review property and debt →

Add future purchases, gifts or other cash flows when they matter. Add future cash flows →

Explore your plan

Run a scenario.
Then ask “what if?”

Compare retirement dates, spending levels, savings and future cash flows. Save a version before testing another combination.

Explore planning strategies →

Your results include

  • Base spending and recurring income
  • A yearly cash-flow and portfolio table
  • The first modeled spending shortfall, if any
  • Current and saved scenario comparisons

The original illustration uses fixed returns and your entered tax allowance. An optional supported mode adds regular federal tax, owner-IRA minimums and taxable cash reinvestment for already-retired households. Neither mode optimizes withdrawals or provides a probability of success. Review the federal-mode scope →

Put your retirement plan together.

Enter your figures, explore the timeline and keep the scenarios you want to revisit.

Start planning →Try the free calculator