How Retirement Figures is different

Just some of the reasons Retirement Figures makes planning simpler:

01Ease of use

Easy to use, easy to come back to

Powerful planning that still feels obvious - everything is where you expect it to be.

Retirement Figures A clean, consistent layout where each input lives where you would look for it. Come back months later and you will not have to relearn anything - it just works the way you remember.

Most other tools Cluttered screens, buried settings, and steep learning curves where stepping away for a few months means figuring it all out again.

02Multiple plans

Create, compare, and reconcile multiple plans

Create multiple plans, switch between them instantly, and see exactly how they differ - something most other planners cannot do at all.

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 lets you reconcile those differences 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 and reconcile what actually changed between them.

03Optimizers

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.

04Completeness

Models your whole financial picture

A retirement plan is only as accurate as the things it accounts for - so Retirement Figures models the pieces that actually move the needle.

Retirement Figures Federal and state taxes, real estate, healthcare and long-term care costs, annuities, pensions, Social Security, debts, windfalls, and more are all built in, so your plan reflects your real finances rather than a rough sketch.

Most other tools Many planning apps skip critical pieces entirely - no federal or state taxes, no real estate, no healthcare expenses, no annuities or pensions - leaving big gaps that quietly distort the results.

05Stress testing

Stress testing and modeling what-ifs

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.

06Your 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.

07Documentation

Thorough documentation

You should never be left guessing how a feature works or how a result is calculated.

Retirement Figures A searchable help center provides thorough, plain-English documentation for every feature. Most pages have a direct link to its help page.

Most other tools Sparse help pages, vague tooltips, or no documentation at all, leaving you to guess at how everything works.

See the difference in your own plan

Build a baseline plan in minutes - no email, no credit card - and explore the tradeoffs other tools never surface.

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