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MyMoneyRecipe.com
Retirement is not one magic number. It is a recipe: income, savings, spending, time, risk, healthcare, housing, and the life you actually want. Every input and calculation runs locally in your browser, with nothing transmitted or stored remotely.
Current view
Home
Inputs and calculations stay in your browser.
Guided planning flow
Build the retirement inputs in order, then jump straight to the simulator whenever you already know the numbers.
Start by defining the life you want, layer in housing and monthly spending, pressure-test healthcare and retirement income, then run retirement. If you already know the final inputs, skip ahead and use the earlier tools only when you need to refine an assumption.
1. Plan for a long life
Run the plan against a long horizon so it still has to work if you make it to age 100.
2. Retire as early as possible
Pressure-test ways to stop full-time work sooner while you still have the health and energy to use your freedom.
3. Fund the life you actually want
Build the numbers around the retirement you want to live, not just the cheapest version that technically works.
More info
Step 1
Lifestyle planner
Sketch the version of retirement you actually want to fund, then annualize it into a target spending level.
Open lifestyle plannerStep 2
Mortgage comparison
Capture housing drag, payoff timing, and the monthly cost your plan still has to carry.
Open mortgage toolStep 3
Debt planner
Translate revolving and installment balances into a monthly paydown drag before those obligations disappear into the retirement assumptions.
Open debt plannerStep 4
Budget and cut finder
Separate hard floors from flexible bills and discretionary spending so cost cutting stays realistic.
Open budget plannerStep 5
Healthcare runway planner
Estimate bridge coverage costs before Medicare, compare COBRA vs ACA vs spouse coverage, and see how bad years pressure retirement freedom.
Open healthcare plannerStep 6
Social Security & pension planner
Estimate retirement benefits from work years, covered earnings, claim timing, and pension income before carrying the result into retirement planning.
Open Social Security & pension toolStep 7
Monte Carlo retirement simulator
Pull the earlier assumptions together, run in-browser simulations, and see whether the full plan holds up.
Open retirement simulatorLifestyle planner
Price the life you want, not just the bills you already have
Start aspirational on purpose. Turn the life you want into an annual spending target, then carry that number into the later planning steps.
Family lifestyle quick-add templates
Optional family spending belongs here when it is aspirational rather than a hard-floor support cost.
Annual cost rollup
Total annual lifestyle cost
$0
Cheap bucket
$0
Normal bucket
$0
Splurge bucket
$0
| Lifestyle | Notes | Price | Cadence | Annual | Actions |
|---|---|---|---|---|---|
| No lifestyle items listed yet. Start with something you would rather do than work. | |||||
Next step
Carry that target into housing
Once the life you want has a price tag, add your mortgage drag before you move on to the rest of the monthly plan.
Continue to mortgage comparisonSocial Security and pension
Estimate the baseline, then replace it with exact numbers when you have them.
Use years worked, covered earnings, and claim timing to build a planning estimate. This is an educational estimate, not an official SSA statement. When you have exact Social Security or pension values, enter them here so retirement planning uses the real numbers instead of the estimate.
Estimated monthly benefit
$0
Estimated annual benefit
$0
Full retirement age
67
Claim factor
100.0%
| Metric | Eligible |
|---|
Enter covered work history to generate an estimate.
Next step
Run the retirement simulator
With lifestyle, housing, debt, budget, healthcare, and retirement income assumptions in place, the simulator can test the full plan.
Continue to retirement simulatorBudget planner
Separate fixed floors from the money you can actually move.
Enter your gross pay, taxes, benefits, savings, and spending. The tool keeps a practical distinction between bills that are hard floors, bills with a reasonable range, and spending that can go to zero in a real reset.
Education planning
No education assumptions saved yet.
Reuse the same child or dependent label across multiple rows to compare no college support, a 50% attendance case, and a stretch scenario. The existing savings / annual earmark field stays planning-only and does not recommend account types or tax-specific college plans.
| Child / dependent | Scenario | Template | Probability | Start age | Years funded | Annual cost | Inflation | Family-paid % | Aid offset | Savings / earmark | Expected / worst | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| No education scenarios yet. Add a template-based scenario to compare planned, expected, and worst-case costs. | ||||||||||||
Net take-home
$0
Annual expenses
$0
Annual savings
$0
Annual surplus
$0
Most realistic cuts first
| Expense | Annual cost | Potential cut | Guidance |
|---|
Next step
Pressure-test the healthcare gap
Once the monthly budget is grounded, model pre-Medicare coverage costs so healthcare does not surprise the retirement timeline.
Continue to healthcare plannerHealthcare runway planner
Price the pre-Medicare bridge before it surprises your retirement date.
This planner is for coverage cost forecasting, not medical advice. Compare COBRA, ACA marketplace, and spouse coverage, then see how those bridge years consume HSA reserves and retirement freedom.
Annual pre-Medicare estimate
$0
Best / normal / bad year
$0
Total cost to Medicare
$0
Healthcare drag at retirement
$0
Bridge plan comparison
| Option | Monthly Premium | Low | Normal | Bad Year | Bridge Total |
|---|---|---|---|---|---|
| Enter assumptions to compare pre-Medicare coverage paths. | |||||
HSA drawdown projection
| Year | Age | Annual Cost | HSA Withdrawal | Ending HSA |
|---|---|---|---|---|
| The HSA bridge appears here once retirement begins before Medicare. | ||||
Healthcare shock stress test
A bad-year bridge scenario will appear here once the planner has enough data.
Next step
Add retirement income assumptions
Healthcare costs are only half the bridge. Estimate Social Security and pension income before you run the full retirement plan.
Continue to Social Security and pension plannerMortgage calculator
Compare payment structure, not just the headline rate.
Model principal, interest, escrow, mortgage insurance, and payoff timing. Switch between fixed, ARM-style, and HELOC-style scenarios.
Monthly payment
$0
Payoff time
0 years
Total interest
$0
Total paid
$0
Your P&I share
Set stake or $/mo
| Scenario | Monthly | Total Interest | Payoff Years |
|---|
| Year | Calendar Year | Starting Balance | Total Paid | Principal | Interest | Escrow | Ending Balance |
|---|
Next step
Fold the remaining drag into debt
After housing is modeled, capture every other payoff that still competes with retirement savings and monthly freedom.
Continue to debt plannerDebt planner
Turn balances into a realistic payoff drag before you ignore them.
Add active debts by type, rate, and balance. The planner derives a practical payoff schedule, carries the monthly drag into budgeting, and lets retirement scenarios drop that payment once the balance is modeled as paid off.
Active debts
| Debt type | Rate | Current balance | Payoff years | Modeled monthly paydown | Actions |
|---|
Payoff years start with a sensible default for each debt type, but you can override them. Monthly paydown is then estimated from the rate, balance, and chosen payoff window so later tools model the drag consistently.
Total debt balance
$0
Monthly paydown
$0/mo
Longest payoff
No active debt
Choose a payoff priority
A payoff plan works better when you decide what wins extra dollars before you start. Three common approaches cover most cases:
Snowball clears the smallest balances first so you can reduce account count quickly and build momentum. Choose it when quick wins and visible progress will help you stay consistent.
Avalanche targets the highest rates first so you cut interest cost fastest. Choose it when minimizing total payoff cost matters more than getting the earliest account off the list.
Cash-flow first targets the debt with the highest required payment or tightest near-term pressure first when monthly breathing room matters more than pure math. Choose it when your budget is tight and freeing up cash now will make the rest of the plan more stable.
Next step
See what the monthly plan can really carry
With debt drag estimated, move into the budget view and separate hard floors from flexible spending.
Continue to budget plannerRetirement simulator
Monte Carlo your retirement plan
Enter your current invested balance, retirement age, savings contributions, retirement spending targets, and return assumptions. This page projects your likely net worth at retirement first, then stress-tests whether that retirement balance can support your spending over time.
Flexible Success Rate
--
Median At Retirement
--
Retirement 5th-95th
--
First-Year Withdrawal Rate (Median)
--
Retirement Age
--
Median Share Getting By
Median Share Normal
Median Share Want
Median Share Very High
Bridge check
Bridge warnings will appear here when the current plan leans too hard on money that is difficult to spend before 59.5.
This is a planning aid, not investment advice. The model uses stochastic nominal returns, Student-t tail risk, left-tail shock years, autocorrelated inflation, and configurable withdrawal guardrails. Mortgage relief is fixed nominal and does not inflate after payoff.
Executive Summary
Run a simulation to generate a short summary of success odds, spending quality, and depletion risk.
Child/Dependent Assumptions
No child/dependent assumptions saved yet.
Diagnostics
Warnings that flag suspiciously smooth or overly certain simulations.
Secondary Analysis
Less-used scenario tables, deterministic stress checks, and comparison details stay available here without competing with the main summary.
Portfolio Paths
Expanded portfolio percentile view from today through age 100.
Expanded portfolio percentile view from today through age 100.
Success By Year
Expanded success-rate path.
Expanded success-rate path.
Ending Value Histogram
Expanded ending-value distribution view.
Expanded ending-value distribution view.
Spending Path
Expanded spending path view.
Expanded spending path view.
Guardrail Spending Years
Expanded guardrail mix view.
Expanded guardrail mix view.
Lifetime Years Distribution
Histogram of total years each simulation spends in each spending state.
Histogram of total years each simulation spends in each spending state.
Failure Age Distribution
Expanded view of when failures occur.
Expanded view of when failures occur.
Guardrail Mix Over Time
Expanded guardrail timeline.
Expanded guardrail timeline.
Withdrawal Rate Band
Expanded withdrawal-rate band.
Expanded withdrawal-rate band.
Mean Return vs Inflation
Expanded year-by-year average nominal return and inflation view from today through age 100.
Expanded year-by-year average nominal return and inflation view from today through age 100.
Stress Tests
Deterministic retirement-start stress cases, reported separately from Monte Carlo.
| Scenario | Outcome | Depletion Age | Ending Balance | Minimum Balance |
|---|---|---|---|---|
| Run a simulation to generate stress-test output. | ||||
| Start Balance | Mode | Success | Ending Median | First-YearWR |
|---|---|---|---|---|
| Run a simulation to compare flexible and fixed spending modes. | ||||
Work Longer Analysis
Estimated tradeoffs for working a bit longer before retirement, based on the same assumptions and modeled with the flexible guardrails path.
| Increment | Retirement Age | Retirement Balance Delta | Success Delta | Life-You-Want Years Delta | Downside Survival Age | Ending Balance Delta |
|---|---|---|---|---|---|---|
| Run a simulation to compare one-more-month and one-more-year scenarios. | ||||||
Healthcare Planning
Estimated premium and out-of-pocket planning ranges for common retirement healthcare paths. These are modeled assumptions, not plan recommendations.
| Option | Timing | Monthly Premium | Annual Total | Estimated Portfolio Draw | Tradeoff |
|---|---|---|---|---|---|
| Run a simulation to compare retirement healthcare assumptions. | |||||
Advanced
Year-by-year detail from your current age through retirement and out to age 100, with richer percentiles, spending levels, withdrawal-rate bands, and guardrail mix.
| Phase | Age | Modeled Year | Success | 1 / 5 / 10 / 25 | Median | 75 / 90 / 95 / 99 | Median Nominal Spend | Median Real Spend | Most Common Spend Tier | Smile Multiplier | Mortgage | SS Active | SS Median | Median WR | WR 10 / 90 | Guardrail Mix (Low / Normal / High / Very High / Failed) | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Run a simulation to populate the deeper year-by-year analysis. | ||||||||||||||||||
About
How it works, what to watch, and where the limits are.
This page describes the calculator methodology, the browser-only privacy model, the local-data controls, and the cautions worth reviewing before you trust any planning output too much.
Version: 2026.06.08-052812Z
Methodology
Retirement simulator
The retirement route runs all Monte Carlo simulations in your browser. It models savings, stochastic nominal returns, stochastic inflation, spending tiers, mortgage payoff relief, Social Security timing, and optional one-time future payments.
It does not model every real-world tax rule, every account type, every sequence of healthcare expenses, or every policy change. The outputs are estimates based on the assumptions you provide.
Methodology
Lifestyle-cost planner
Lifestyle entries are annualized from simple user inputs: amount, quantity, and frequency. Buckets are meant to help organize the cost of the life you want, not to classify spending morally.
One-time items are kept visible because large occasional costs still matter for retirement planning, even when they are not part of a normal monthly budget.
Methodology
Budget and mortgage tools
The budget planner is a manual-entry model that separates hard floors from flexible and discretionary categories. It is not a tax engine or bank-sync product.
The mortgage calculator shows payment structure, payoff timing, and housing drag using fixed, ARM-style, and HELOC-style scenarios.
It is useful for planning, but it does not replace lender disclosures.
Methodology
Healthcare runway planner
The healthcare route compares pre-Medicare bridge cost scenarios using premium estimates, deductible and out-of-pocket assumptions, HSA reserves, and user-selected usage levels. It is a cost runway model, not a plan recommendation engine.
It does not diagnose conditions, choose insurance products, guarantee premium accuracy, or model every tax nuance of HSA eligibility and reimbursements.
It also does not calculate official ACA subsidy eligibility or insurer-specific pricing. Treat these outputs as modeled ranges and compare them against real marketplace and plan quotes before making enrollment decisions.
Methodology
Output philosophy
Outputs are rounded on purpose. Ages are shown in practical increments, probabilities are presented as readable percentages, and currency figures are simplified where exact dollars would imply more certainty than the model deserves.
The goal is to help you see which assumptions matter, what tradeoffs improve durability, and where the plan still looks fragile.
Historical replay stays local-only, reuses the checked-in market dataset, and remains a deterministic illustration distinct from the Monte Carlo probability outputs. It labels whether the path is historical-only or mixed once the data runs out.
Known limitations
What this model simplifies
Monte Carlo outcomes depend on your return, inflation, spending, and timing assumptions. They do not model every market regime, policy change, tax rule, or household event.
Tax, Social Security, and healthcare outputs are planning estimates, not official benefit statements, subsidy determinations, underwriting decisions, or final plan quotes.
Data stays local to this browser profile unless you export it yourself. If local storage is cleared or the device is lost, the app cannot recover your planning history.
Privacy
What stays local and what does not
Retirement inputs, lifestyle entries, budget values, mortgage scenarios, healthcare planner assumptions, and shared profile defaults are stored in your browser using local storage and IndexedDB.
The app does not send calculator fields, scenario names, notes, or output values to a server.
Historical replay stays local-only, reuses the checked-in market dataset, and does not send replay inputs or results to a server.
Privacy
Why this matters
Financial planning often works best with a clear read on reality. Keeping the calculations local lowers the privacy cost of exploring less favorable scenarios, larger cuts, delayed retirement, or sizeable lifestyle spending ideas.
Portable summary
Copyable planning summary
This read-only summary is for financial planner review or further external analysis. It includes the current page URL, saved planning inputs, a short set of outcome highlights without the year-by-year mortgage or Monte Carlo tables, and the browser-local JSON export and import controls below.
Privacy and local-data controls
Loading local-data status...
Import replaces saved browser-local planner data with the file you choose. If local data already exists, the app asks for confirmation first. After a successful import, the page reloads immediately so every tool rehydrates from the imported values on this device only.
Disclaimer
What the app does
It estimates retirement durability, lifestyle affordability, housing drag, and budget tradeoffs based on the assumptions you enter.
Disclaimer
What the app does not do
It does not recommend securities, guarantee outcomes, replace lender documents, predict taxes with full fidelity, or tell you that a plan is safe.
Disclaimer
How to use it responsibly
Use the outputs as a planning aid. Verify important decisions with qualified professionals, especially when the stakes involve taxes, healthcare, legal obligations, or large irreversible commitments.