Enter your income, accounts, and expenses. Add a decision, like buying a house at 31 or retiring at 55, and ifso projects each year until 90 with real tax math. It tells you whether the plan holds, and you can compare it against a plan where you decide differently.
Free to start. Nothing connects to your bank.
Each plan ends with a plain answer
Whether the plan stays funded to 90, or the age the money runs out. Under that, what you would retire with and what you could spend each year.
This plan funds retirement through 90 with $1.76M to spare. You retire at 65 with $1.83M and start by spending $72,298 a year.
Maya, 29
Buys a house at 31
This plan runs out at 76. Retiring at 55 leaves $1.14M, and spending $106,822 a year uses it up in 21 years.
Sam and Priya, 41
Retire at 55
This plan funds retirement through 90 with $2.44M to spare. You retire at 65 with $2.63M and start by spending $103,418 a year.
Devon, 35
Starts a business at 38
You can change any year
Click a year on the chart and edit what happens then. Here Devon quits at 38, takes $45k from savings, and earns $48k for three years. The years after that recalculate, including the 401(k) match that stops and the contributions that pick back up at 41.
A change made in one year carries forward from that year. Earlier years stay as they were.
Compare two plans
Two plans that start from the same numbers, shown together, with the difference at every age and a line saying which one holds.
Both plans go on one chart, and the year card shows each number side by side for the selected age. At 66, retiring at 55 has left $1.04M against $2.67M, with the same house, kids, and salaries in both. The 55 plan runs out at 76.
The plan is a list of decisions
Buy the house at 31 and stop paying rent. A raise at 40. Retire at 65, claim Social Security at 67. That is Maya's whole plan, in age order, and each decision can be edited or removed.
What the projection accounts for
Simple calculators use one return and one tax rate for every year. ifso works through each year with the rules that apply to it.
Federal brackets and state tax
Worked out each year from that year's income, for single or married filing.
401(k) and IRA rules
Contribution limits, employer match caps, traditional or Roth, and the age you can withdraw.
Mortgages that amortize
Principal, interest, property tax, and insurance, for as many properties as you own.
Rentals
Turn a home you own into a rental, with rent, vacancy, and upkeep from that year on.
Capital gains
Tax on the gain when investments or a property are sold, with the primary residence exclusion when it applies.
Social Security claim ages
The benefit is adjusted for the age you claim it.
Inflation and raises
Shown in today's dollars or future dollars, with a toggle.
Monte Carlo
Runs the plan many times with varying market returns and reports how often it holds.
Your numbers stay yours
Nothing connects to your bank. You type the numbers in yourself, on a laptop or a phone. It takes a few minutes.
No account until you want one. The sample plan runs without signing in. When you sign in to keep a plan, everything you entered can be downloaded as a file or deleted along with the account, from the account page, whenever you like.
Pricing
The first plan is free. More plans, compare, and Monte Carlo are $9 a month or $69 a year. You can try it without an account and sign in when you want to keep the plan.
Pro
$9 /month or $69/year
$59/yr for founding members, locked in for as long as you stay
- More plans
- Compare two side by side
- Monte Carlo
- Everything in Free