Just some of the reasons Retirement Figures makes planning simpler and better:
Five features you will rarely find in any of the top consumer planners
Funded ratio
See whether you are funded, not just likely to be
A chance-of-success percentage tells you how often a plan survived. It does not tell you whether the money is actually there. Those are different questions, and you deserve an answer to both.
Retirement Figures Your dashboard shows a funded ratio beside your net worth: everything paying for your retirement - portfolio, Social Security, pensions, future property sales - measured in today's dollars against everything it owes, taxes included. No simulation and no randomness, so it moves smoothly with your assumptions rather than jumping around. Mark how much of each expense is essential and you get two answers: whether your essentials are covered, and whether your full lifestyle is.
Most other tools A single probability of success, offered as the whole answer. It is a genuinely useful number, but on its own it blurs two very different problems - not having enough, and having enough but being broken by bad timing - and it can swing on assumptions in ways that are hard to read.
Move to another state or country, and see what changes
Where you live drives your taxes, your costs, and your healthcare - and it changes from a specific year forward, not from day one.
Retirement Figures Schedule a move at any age, to any US state or any country, and state tax is automatically adjusted for the years you actually live there. Expenses are tagged to a place, so your old and new costs coexist in one plan and a move-and-return works. Not sure where? The Relocation Explorer runs your own plan in all 50 states at once and shows what each would do to your state income tax, your cost of living, your housing, and what you would have left, down to the metro area you have in mind. For six international destinations, Passport builds the whole plan for you: local costs by category, private insurance, and what happens to Medicare.
Most other tools In most planners your state is a single field applied to the entire projection, with no way to say you move in 2031. There is nothing to hand-edit around, so a move gets modeled as if you had always lived there, applying the destination's taxes, costs, and healthcare to decades you never spent there.
Relocation Explorer: your plan in all 50 statesPassport: a move abroad, built for you
Share a plan with a spouse, an advisor, or a parent
Give the people in your retirement - or the person whose retirement you are helping with - their own way in to the plan, without buying them a second subscription.
Retirement Figures Share any plan by email. Your subscription travels with the plan, so they see everything you see from a free account of their own, and they see that plan and nothing else. No account yet? The invitation creates one with the plan already waiting. It works in the other direction too, so an adult child looking after a parent's finances can be given access without anyone handing over a password.
Most other tools Sharing tends to be an afterthought: export a PDF that is stale the moment you change an assumption, hand over your own login, or pay for a second seat. None of those give the other person a live view they can actually work with.
Your data
Use it with no account, or sync to the cloud
You decide where your plan lives, and you can get the full tool without ever creating an account.
Retirement Figures Start with no account at all and your plan stays private in your browser, right on your device. Want to use it on more than one device? Create a free account with email or Google to sync your plans to the cloud. You can also turn on end-to-end encryption, protecting your synced plans with a passphrase only you hold. Plus is available in either mode - it unlocks features, it does not dictate how you store your data.
Most other tools Most planners force you into one or the other: nearly all require an account and keep your data on their servers, while the rare local-only app gives you no way to sync across devices. Either way you do not get to choose, and few give you a way to encrypt your data with a key only you hold.
Multiple windows
Results on one monitor, your plan on the other
Planning means flipping between the page you are editing and the page that shows what it did. With two monitors, you should not have to flip at all.
Retirement Figures Open a second window and drag it to another screen, then put any page there: the dashboard, any results page, or another part of your plan. Change an expense, a claiming age or a return assumption in one window and the other updates as soon as the change saves, results recalculated. Switch plans in one and the other follows. It works the same whether your plan lives in your browser or syncs to the cloud.
Most other tools A second tab in most planners shows the plan as it was when that tab loaded. To see the effect of an edit you reload it, or go back to flipping between pages in one window, and edits made in both can quietly overwrite each other.
One window: edit your planThe other: your results, updating as you go
Everything else, done properly
01Multiple plans
Create, compare, and reconcile multiple plans
Create multiple plans, switch between them instantly, and see exactly how they differ, field by field.
Retirement Figures Create a new plan or duplicate an existing one in a click, switch between them from anywhere, and compare results side by side. Plan Compare shows you precisely which inputs differ between two plans, field by field - and its Results view runs both plans to show what those differences actually cost, breaking the gap in ending balances down by cash-flow source. Reconcile any difference in one step.
Most other tools Some tools support multiple plans, but they are usually clunky and difficult to work with - and even then there is rarely a real way to compare plans, let alone see what actually changed between them or what it cost.
Results: the effect on ending balanceChanges: which fields differ
02Optimizers
Optimizers that find your best moves
Stop guessing - let built-in optimizers search for the choices that maximize your plan.
Retirement Figures Let the built-in optimizers find the best Social Security claiming age, pension options, Roth conversions, and spending levels - not in isolation but as part of your entire plan - and all backed by clear comparisons that make the tradeoffs easy to see.
Most other tools A single projection and a basic chart or two, leaving you to guess at your optimal claiming ages, pension elections, and how long your money really needs to last.
03Stress testing
Stress-test your plan without changing it
See how your plan holds up against the things that could go wrong - without ever touching your actual plan.
Retirement Figures Model what-ifs in seconds and even stack multiple scenarios at once, like a market crash right after you retire combined with a Social Security cut in 2032, so you can see the combined impact on your plan.
Most other tools Some planners make you change your actual plan to test a scenario, and offer no way to easily test some scenarios like a Social Security cut.
04Time Machine
Replay your plan through 1966, 1929, or any year on record
An average of history is not a thing anyone lived through. Retiring in 1966 meant a decade of inflation before any recovery; retiring in 1982 meant the opposite.
Retirement Figures Pick a real starting year and your plan runs on the year-by-year returns that actually followed it, at that stretch's own average inflation, from 1872 to 2025 - 154 years, including the deflations and the double-digit inflation the modern record barely contains. Then sweep every starting year at once: each one is colored by how much room it had left, not merely by whether it survived, so a plan that scraped through 1966 looks different from one that sailed through it. When some years break the plan, it works out the smallest change in spending that would have carried you through them, and names the year that sets the number.
Most other tools Most planners cannot replay a specific historical sequence at all - the closest they offer is an average return, which flattens exactly the ordering that decides a retirement. A few do let you scrub a starting year, the same way ours does. Where they stop is one year at a time: no way to ask what every starting year on record would have done to this plan, how much room each one left, or what it would have taken to come through the ones that failed.
One starting year: the plan replayed from 1966Historical Paths: every starting year at once
We check our tax math against an independent engine
Every planner says its tax calculations are accurate (assuming they do any tax calculations at all). Ours are checked against an independent engine we did not write, and we publish the results.
Retirement Figures Our federal tax calculations match PolicyEngine US - an open-source model used for policy research - to within one dollar across a suite of retirement scenarios built around Social Security thresholds, Roth conversions, capital gains, and RMDs.
Most other tools Accuracy is asserted rather than demonstrated. With no published comparison against an independent reference, you are asked to trust a black box with the most consequential math in your plan.
