Total Assets Over Time
Stacked by pretax, Roth, brokerage, cash, home equity, and 529 assets.
Retirement Flight Simulator
Retirement Scenario Lab
Start with your Retirement OS plan, change one life assumption at a time, and see how taxes, assets, spending, and income sources evolve over the full retirement horizon.
Terminal assets
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Baseline
Lifetime tax
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Baseline
Lifetime spending
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Baseline
Lowest assets
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Pretax remaining
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Your baseline is loaded
Move any control to see how the scenario changes the plan.
Stacked assets
Taxes Paid Over Time
Federal income tax, state income tax, capital-gains tax, payroll/other tax, and IRMAA-related costs.
Spending Over Time
Core household, travel, routine healthcare, LTC care events, college, and taxes shown as stacked uses of cash.
Income and Funding Sources
Social Security, earnings, pretax withdrawals, Roth withdrawals, brokerage withdrawals, and other income.
Scenario governance
Saved scenarios remain experiments. They do not replace your selected Financial Strategy unless you explicitly adopt them.