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Privacy-first financial planning
MyMoneyRecipe.com
Retirement planning gets easier when the pieces are separated: income, savings, spending, timing, risk, healthcare, housing and the life you want to afford. The math runs in this browser and the app does not send your inputs to a server.
Inputs and calculations stay in your browser.
Guided planning flow
Work through the inputs in order or jump straight to the simulator when you already know the numbers.
Start with lifestyle, then add housing, debt, budget, healthcare and retirement income. If those numbers are already settled, skip ahead and use the earlier tools only when something needs a closer look.
1. Plan for a long life
Use a long timeline so the plan still has to work if you live to 100.
2. Retire as early as possible
Try earlier retirement dates while you still have the health and time to enjoy them.
3. Fund the life you actually want
Build the plan around the life you want, not only the cheapest version that clears the math.
More info
Step 1
Lifestyle planner
List the retirement spending you want to make room for, then turn it into an annual target.
Open lifestyle plannerStep 2
Mortgage comparison
Track monthly housing cost, payoff timing and what changes after the loan is gone.
Open mortgage toolStep 3
Debt payment estimator
Turn credit cards, loans and other balances into monthly payoff numbers before they enter the retirement plan.
Open debt plannerStep 4
Budget and cut finder
Separate must-pay bills from expenses you can trim, pause or cut.
Open budget plannerStep 5
Healthcare runway planner
Estimate bridge coverage costs before Medicare, compare COBRA vs ACA vs spouse coverage, and see how bad years pressure retirement freedom.
Open healthcare plannerStep 6
Social Security & pension planner
Estimate Social Security and pension income from work history, claim age and any pension you expect.
Open Social Security & pension toolStep 7
Monte Carlo retirement simulator
Bring the inputs together, run the simulations in your browser and see where the plan breaks or holds.
Open retirement simulatorLifestyle planner
Price the life you want
Start with something you would rather do than work, then turn it into a yearly planning cost.
Family templates
Annual cost
Total annual cost
$0
Cheap scenario
$0
Normal scenario
$0
Splurge scenario
$0
| Lifestyle | Notes | Price | Cadence | Annual | Actions |
|---|---|---|---|---|---|
| No lifestyle items listed yet. Start with something you would rather do than work. | |||||
Social Security and pension
A planning estimate is useful until your statement gives you exact numbers.
Use years worked, covered earnings and claim timing to estimate benefits. This is not an official SSA statement. When you have exact Social Security or pension values, enter them here so the retirement plan uses those numbers.
Estimated monthly benefit
$0
Estimated annual benefit
$0
Full retirement age
67
Claim factor
100.0%
| Metric | Eligible |
|---|
Enter covered work history to generate an estimate.
Next step
Run the retirement simulator
With lifestyle, housing, debt, budget, healthcare and retirement income filled in, the simulator has the full set of inputs.
Continue to retirement simulatorBudget planner
The budget starts with what cannot move.
Enter your gross pay, taxes, benefits, savings and spending. The tool separates bills you must pay from bills with room to adjust and spending that can go to zero in a reset.
Education planning
Use the same child or dependent name across scenarios to compare different attendance chances or funding levels. Savings and earmarks are planning inputs only.
| Child / dependent | Scenario | Template | Probability | Start age | Years funded | Annual cost | Inflation | Family-paid % | Aid offset | Savings / earmark | Expected / worst | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| No education scenarios yet. | ||||||||||||
Net take-home
$0
Annual expenses
$0
Annual savings
$0
Cash savings
$0
Annual surplus
$0
Most realistic cuts first
| Expense | Annual cost | Potential cut | Guidance |
|---|
Next step
Add healthcare costs
Once the monthly budget is grounded, model pre-Medicare coverage costs before choosing a retirement date.
Continue to healthcare plannerHealthcare cost planner
Coverage before Medicare belongs in the retirement-date decision.
Coverage costs are estimates, not medical advice. Compare COBRA, ACA marketplace, and spouse coverage, then see how those bridge years consume HSA reserves and retirement freedom.
Annual pre-Medicare estimate
$0
Best / normal / bad year
$0
Total cost to Medicare
$0
Premium increase at retirement
$0
Bridge plan comparison
| Option | Monthly Premium | Low | Normal | Bad Year | Bridge Total |
|---|---|---|---|---|---|
| Enter assumptions to compare pre-Medicare coverage paths. | |||||
HSA drawdown projection
| Year | Age | Annual Cost | HSA Withdrawal | Ending HSA |
|---|---|---|---|---|
| The HSA bridge appears here once retirement begins before Medicare. | ||||
Healthcare shock stress test
A bad-year bridge scenario will appear here once there is enough data.
ACA subsidy cliff check
Enter household MAGI to compare ACA estimates with current FPL thresholds.
Next step
Add retirement income assumptions
After healthcare costs, add Social Security and pension income before running the full retirement plan.
Continue to Social Security and pension plannerMortgage calculator
The payment structure matters as much as the headline rate.
Model principal, interest, escrow, mortgage insurance and payoff timing. Switch between fixed, ARM-style and HELOC-style scenarios.
Monthly P&I
$0
Monthly escrow
$0
Monthly all-in payment
$0
Payoff time
0 years
Total interest
$0
Total paid
$0
Your P&I share
Set stake or $/mo
| Scenario | Monthly P&I | Monthly all-in | Total Interest | Payoff Years |
|---|
| Projection Year | Starting Balance | Total Paid | Principal | Interest | Escrow | Ending Balance |
|---|
Next step
Add the rest of your debt
After housing is modeled, add every other payoff that still competes with retirement savings.
Continue to debt plannerDebt payment estimator
A payoff plan has to fit the rest of your cash flow.
Add active debts by type, rate and balance. The estimator calculates monthly payoff amounts, carries them into budgeting and removes the payment from retirement scenarios after the payoff date.
Active debts
| Debt type | Rate | Current balance | Payoff years | Modeled monthly paydown | Actions |
|---|
Payoff years start with a default for each debt type, but you can override them. Monthly paydown is estimated from the rate, balance and chosen payoff window so later tools use the same number.
Total debt balance
$0
Monthly paydown
$0/mo
Total interest
$0
Longest payoff
No active debt
Estimated debt-free date
No active debt
Next step
See what the monthly plan can really carry
With debt payments estimated, move into the budget view and separate required bills from flexible spending.
Continue to budget plannerRetirement simulator
Monte Carlo your retirement plan
Enter your invested balance, retirement age, savings, retirement spending targets and return assumptions. This page estimates your retirement balance, then tests whether that balance can support your spending over time.
Inputs changed. Run again.
Flexible Success Rate
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Median At Retirement
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Retirement 5th-95th
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First-Year Withdrawal Rate (Median)
--
Retirement Age
--
Share Getting By
Share Normal
Share Life I Want
Share Extra
Share Failed
Bridge check
Bridge warnings appear here when the plan relies too much on money that may be hard to spend before 59.5.
Use this for planning, not investment advice. The model uses random nominal returns, Student-t tail risk, left-tail shock years, autocorrelated inflation and configurable withdrawal guardrails. Mortgage relief is fixed nominal and does not inflate after payoff.
Executive Summary
Run a simulation to see success odds, spending quality and depletion risk.
Plan assumptions
Child/Dependent Assumptions
No child/dependent assumptions saved yet.
Diagnostics
Warnings that flag suspiciously smooth or overly certain simulations.
Secondary Analysis
Detailed scenario tables, stress tests and comparisons.
Portfolio Paths
Portfolio percentiles from today through age 100.
Success By Year
The share of paths still funded at each age.
Ending Value Histogram
How ending balances are distributed.
Total Spending Path
Median annual spending through retirement.
Guardrail Spending Years
Years spent in each spending tier.
Lifetime Years Distribution
How many years each simulation spends in every spending state.
Failure Age Distribution
When unsuccessful paths first deplete.
Guardrail Mix Over Time
Which spending tier dominates at each age.
Withdrawal Rate Band
Median and downside withdrawal rates over time.
Mean Return vs Inflation
Average modeled returns and inflation at each age.
Stress Tests
Deterministic retirement-start stress cases, reported separately from Monte Carlo.
| Scenario | Outcome | Depletion Age | Ending Balance | Minimum Balance |
|---|---|---|---|---|
| Run a simulation to show stress-test output. | ||||
| Start Balance | Mode | Success | Ending Median | First-YearWR | State Mix |
|---|---|---|---|---|---|
| Run a simulation to compare flexible and fixed spending modes. | |||||
Work Longer Analysis
Shows what changes if you work a little longer before retiring, using the same assumptions and the flexible guardrails path.
| Increment | Retirement Age | Retirement Balance Delta | Success Delta | Life-You-Want Years Delta | Downside Survival Age | Ending Balance Delta |
|---|---|---|---|---|---|---|
| Run a simulation to compare one-more-month and one-more-year scenarios. | ||||||
Healthcare Planning
Premium and out-of-pocket ranges for common retirement healthcare paths. These are estimates, not plan recommendations.
| Option | Timing | Monthly Premium | Annual Total | Estimated Portfolio Draw | Tradeoff |
|---|---|---|---|---|---|
| Run a simulation to compare retirement healthcare assumptions. | |||||
Advanced
Year-by-year detail from your current age to 100, including percentiles, spending levels, withdrawal-rate bands and guardrail mix.
Use modeled MAGI in Healthcare
Choose a retirement year to offer its modeled MAGI to the Healthcare ACA estimate. Healthcare will ask before applying it.
| Phase | Age | Modeled Year | Success | 1 / 5 / 10 / 25 | Median | 75 / 90 / 95 / 99 | Median Total Spend | Median Real Spend | Most Common Spend Tier | Smile Multiplier | Mortgage | SS Active | SS Income | Guaranteed Income | Healthcare Cost | Gross Tax-character Income | Ordinary Income | Realized Long-term Gain/Loss | Taxable Social Security | Taxable Ordinary Income | Taxable Long-term Gains | Federal Tax | State Tax | Modeled Tax | Modeled MAGI | Loss Carryforward | After-tax Portfolio Funding | Portfolio Withdrawal | Median WR | WR 10 / 90 | Guardrail Mix Getting By / Normal / Life I Want / Extra / Failed |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Run a simulation to populate the deeper year-by-year analysis. | |||||||||||||||||||||||||||||||
Copyable planning summary
About
How it works, what to watch and where the limits are.
This page explains the calculator methods, browser-only privacy model, local-data controls and the limits to keep in mind.
Version:
Methodology
Retirement simulator
The retirement page runs Monte Carlo simulations in your browser. It includes savings, random nominal returns, random inflation, spending tiers, mortgage payoff changes, Social Security timing and optional one-time payments.
It does not cover every tax rule, account type, healthcare expense pattern or policy change. The results are estimates based on what you enter.
US planning scope
This product models US-dollar finances and selected US federal tax, Social Security, Medicare, and healthcare-program assumptions. Spanish is a language option, not support for non-US tax systems or currencies.
Lifestyle-cost planner
Lifestyle entries are annualized from amount, quantity and frequency. Buckets organize the cost of the life you want; they are not a judgment on the spending.
One-time items are kept visible because large occasional costs still matter for retirement planning, even when they are not part of a normal monthly budget.
Budget and mortgage tools
The budget planner is manual entry. It separates must-pay expenses from flexible and discretionary categories, but it is not a tax engine or bank-sync product.
The mortgage calculator shows payment structure, payoff timing and housing costs for fixed, ARM-style and HELOC-style scenarios.
It is useful for planning, but it does not replace lender disclosures.
Healthcare runway planner
The healthcare page compares pre-Medicare coverage costs using premium estimates, deductibles, out-of-pocket assumptions, HSA reserves and usage levels. It estimates costs; it does not recommend a plan.
It does not diagnose conditions, choose insurance products, guarantee premiums or cover every tax rule for HSA eligibility and reimbursements.
It also does not calculate official ACA subsidy eligibility or insurer-specific pricing. Treat these outputs as modeled ranges and compare them against real marketplace and plan quotes before making enrollment decisions.
Output philosophy
Outputs are rounded on purpose. Ages, percentages and dollar amounts are kept readable because exact-looking numbers can imply more precision than the model has.
The goal is to show which inputs matter, which changes help and where the plan still looks weak.
Retirement has three user-entered spending tiers: Getting By, Normal and Life I Want. Extra is output-only: when the 2.5% portfolio spending floor is above Life I Want, simulated spending is classified as Extra. It is not a fourth goal and has no user-entered cap.
Historical replay stays local-only, reuses the checked-in market dataset and remains a deterministic illustration distinct from the Monte Carlo probability outputs. It labels whether the path is historical-only or mixed once the data runs out.
Known limitations
What this model simplifies
Monte Carlo outcomes depend on your return, inflation, spending and timing assumptions. They do not model every market regime, policy change, tax rule or household event.
Tax, Social Security and healthcare outputs are planning estimates, not official benefit statements, subsidy determinations, underwriting decisions or final plan quotes.
Data stays local to this browser profile unless you export it yourself. If local storage is cleared or the device is lost, the app cannot recover your planning history.
Privacy
What stays local and what does not
Retirement inputs, lifestyle entries, budget values, mortgage scenarios, healthcare assumptions and shared profile defaults are stored in this browser using local storage and IndexedDB.
The app does not send calculator fields, scenario names, notes or output values to a server.
Pages, scripts, styles, and optional language files load as static app assets. That download is separate from the planning data saved in this browser.
Why this matters
Planning is more useful when you can try uncomfortable numbers. Keeping the calculations local makes it easier to test larger cuts, delayed retirement, worse markets or expensive lifestyle ideas.
Portable summary
Copyable planning summary
This read-only summary is for financial planner review or further external analysis.
Language
Privacy and local-data controls
Loading local-data status...
Import replaces saved browser-local planner data with the file you choose. If local data already exists, the app asks for confirmation first. After a successful import, the page reloads immediately so every tool rehydrates from the imported values on this device only.
Disclaimer
What the app does
It estimates retirement funding, lifestyle cost, housing cost and budget changes based on the numbers you enter.
What the app does not do
It does not recommend securities, guarantee outcomes, replace lender documents, predict taxes with full fidelity or tell you that a plan is safe.
How to use it responsibly
Use the outputs as a planning aid. Verify important decisions with qualified professionals, especially when the stakes involve taxes, healthcare, legal obligations or large irreversible commitments.