Retirement Budget & Income Planner
A working page for
the numbers you live on.
Write down what comes in and what goes out, then see how it holds up as costs rise. Free, no email, and nothing leaves your browser.
- No sign-up
- No automatic saving
- No financial entries sent
Educational estimates only, not personalized advice. Review assumptions with a qualified financial professional before making financial decisions. Edited spreadsheet recalculation has not been independently verified across supported applications; check edited formulas and results before relying on them. This is a cashflow comparison, not a retirement-readiness or lifetime-sustainability assessment.
How it works
Three cases,
one honest page.
- Today’s costs. Your income against what you spend now.
- Retirement costs. Today’s spending grown by your inflation assumption for 0–50 full years. Longer or fractional horizons are not supported.
- Higher costs. Retirement costs plus your stress percentage, for the year everything seems to go up at once.
Plain answers.
Where does my information go?
Your entries live only in this open page. They are not automatically saved, placed in the web address or sent to PGW or anyone else. Closing or refreshing the page erases them. Downloads contain your figures: store and share those files carefully. Clear my information does not delete files you already downloaded.
Why isn’t my income inflated too?
Some income may rise over time and some may not. Rather than guess, the planner keeps income exactly as you entered it so the effect of rising costs is easy to see.
How should I estimate benefits, taxes and insurance?
Use your official Social Security statement and check the claiming age behind its estimate; this tool does not calculate your benefit. Keep income and taxes consistent: if you enter gross income, include estimated income taxes in spending; if you use net income, do not count the same taxes twice. Check healthcare and Medicare costs separately. Pension terms, rental expenses and vacancy, and any existing annuity payments can vary. Contract guarantees depend on the issuing insurer’s claims-paying ability; insurance products are not FDIC insured. Investment withdrawals are not guaranteed. Coordinate tax questions with a qualified tax adviser.
Is the result a recommendation?
No. It is arithmetic on your own numbers. It does not test whether savings will last, project benefits or returns, or suggest any product.
Do I have to talk to anyone?
No. The planner and downloads are free with no email. Talking with Tim is a separate, optional step.