Most retirement tools throw a scary number at you and leave you stuck. This one talks with you — asks real questions, shows what changes when you change things, and ends with one specific move you can make today.
This is different. Here's how.
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Built for ADHD brains. Everything stays visible. No page reloads. No losing your place. Scroll up, scroll down, change anything — the numbers update live.
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"I don't know" is always a valid answer. You don't need exact numbers. Ballparks work. We'd rather have a real conversation with incomplete data than a fake one with made-up precision.
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Three paths, not one scary number. Instead of "you need $1.2M," you get a Careful path, a Steady path, and a Stretch path — so you can see how your choices actually change things.
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Nothing is saved. Nothing is sent anywhere. No account, no email, no data stored. Close the tab and it's gone.
Age, retirement target, contributions, where you want to live — the context before the numbers.
Step 02
See what you've got
A quick look at what retirement accounts exist in your life right now.
Step 03
Put rough numbers in
Ballparks are fine. Sliders make it easy. "I don't know" is a real option.
Step 04
See where you stand
Your picture — three paths forward, your life bar, your Social Security floor.
Step 05
Land somewhere real
The hammock. The coconuts. How close you actually are — and one next move.
Step 06
See the real month
What your income actually looks like month to month — and whether it feels like enough.
About 10 minutes
No account needed
Nothing is saved or sent
Change anything, anytime
Scroll down to begin — or jump in anywhere.
Step 1 of 6
Step 1: Now let's make it yours.
Tell us about you first.
Before we look at numbers, give us the context. Age, retirement target, where you're headed — this is what makes the rest of the conversation actually yours.
Your current age
age
Target retirement age
age
Monthly retirement contribution
What you're putting in now — or plan to. Even $0 is a real answer.
$
Social Security claim age
62 = smaller checks sooner. 70 = bigger checks later. 67 is the sweet spot for most people.
age
Where are you thinking of retiring?
Looking up cost of living…
What does retirement life look like for you? (Pick up to 3)
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The Homebody
~$2,800/mo
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Lord of the Fairway
~$3,800/mo
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The Culture Vulture
~$3,600/mo
✈️
The Wanderer
~$4,800/mo
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The Do-Gooder
~$2,600/mo
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The Maker
~$3,200/mo
Any part-time work in retirement?
Estimating income…
Step 2 of 6
Step 2: Let's see what you've got.
No math yet. No grades.
Just a quick look at what exists in your financial life — so we know what we're working with. Tap yes, not sure, or skip for each one.
401(k) or 403(b) — current job
Employer-sponsored retirement savings at your current job
Check your pay stub or HR portal (Workday, ADP, Gusto). It may be called a "retirement plan" or "deferred comp."
401(k) from an old job
Money you may have left behind when you switched jobs
Free estimate at ssa.gov/myaccount — usually a welcome surprise. Leave at $0 if you don't know yet.
$
Personal savings / investments
$
Every dollar you can name is a dollar that counts.
Step 4 of 6
Step 4: Here's where you are.
A starting point, not a final score.
This picture updates live as you change anything above. Three paths, not one number — so you can see how your choices actually shift things.
Now
Building — 14 yrs
Retired — 21 yrs
Age 53Retire at 67Age 88
You have today
$0
total saved
Projected — steady
$0
at retirement
Est. monthly
$0
from savings alone
Three paths forward
Careful
$0
4% growth, retire on time
Steady ★
$0
6% growth, retire on time
Stretch
$0
6% growth, 3 more years
Social Security
Your built-in floor.
Based on your estimate, Social Security adds meaningful income — every month, for life, regardless of markets.
The system made room for you. At 50+, the IRS lets you contribute an extra $7,500/year to your 401(k) — specifically for people who started late. That's not a loophole. That's the law saying: it's okay, catch up.
Step 5 of 6
Step 5: You did it.
You had the conversation.
Most people never do this. You just mapped your retirement — imperfectly, honestly, in real time. That matters.
The figure on the path is you. The chest on the beach is where you're headed. Try retiring a little sooner, saving a little more upfront so you can have more fun later. Watch what shifts. Test decisions here in the now so you can forget about them later. That's the whole idea. The point isn't to obsess over the numbers. The hammock is out there. You don't have to have it all figured out to start getting closer.
Let's look at this differently.
You have today
$70k
→
Years to collect
14 yrs
→
Your retirement goal
$214k
32% of goal
Move the sliders — watch what changes.
Saving monthly
a littlea lot
Spending on fun
leangenerous
Stop working at
6272
67
Still at the desk.
Your coconuts are a start. Keep going.
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of 0 needed
🥥 Saved
0
🥥 Needed
0
🥥 To Go
0
🥥 Daily
0
How does this feel?
Your one next step
Finding your best first move…
Scroll through, then come back here.
Fill in what you can above — your numbers, your accounts, your city. When you're ready, tap below and we'll find your single best first move based on everything you told us.
Step 6: Here's what the money actually looks like.
Not a projection. A real month.
Three income sources, stacked up. What they cover. What's left over. And an honest question about whether it's enough.
Social Security
Foundation
SS
$0
Your savings
4% rule ℹ
$0
Part-time work
Optional
$0
The 4% rule: A 1994 study found retirees who withdrew 4% of savings per year didn't run out of money over 30 years.
For your savings: 4% = $0/month.
It's a guideline, not a guarantee.
Got it — close ↑
Est. monthly total
$0
What does a month actually cover?
Housing$1,200
Food & groceries$400
Healthcare$350
Transportation$300
Fun & life$300
Left over each month$0
National average estimates.
Healthcare heads-up: Medicare starts at 65. Retiring at 62 means a 3-year stretch of private insurance — worth budgeting for (typically $500–800/month).
Does $0/month feel like enough?
Three moves that change the number:
"A retirement conversation, not a calculation."
You don't need to have it all figured out. You just need one next move — and you've got it.
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