Waypoint

When can you retire?

Working it out…

Net worth today

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Assets
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Debts
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Invested
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Cash
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Milestones

Best next step

Each change tested against your plan

    This month's check-in

    Your recap

    The road ahead

    Life events

    Add what's coming up. Every answer above updates.

    Net worth over time

    In today's dollars

    The line is the middle outcome. The band covers 8 in 10 of 300 simulated markets.

    This month

    How far you've come

    How Waypoint works out these answers
    • Every month from now until your planning age, it pays your bills and debts, adds your savings and 401(k) contributions, and grows your investments.
    • Each investment account grows according to what it actually holds. Stocks, bonds and cash have their own returns and swings, and fund fees are subtracted. Your current mix works out to about 7% a year after fees.
    • Market returns are random. It runs your plan through 300 different market histories and checks how often your money lasts.
    • By default it uses what you actually deposited over the last 6 months, not what you planned. Money you planned to invest but didn't is treated as spent.
    • "You could retire at" is the earliest age where your money lasts in at least 85% of those markets.
    • After you retire, any account with more than 60% in stocks shifts down to 60%, with the rest in bonds. Money is drawn from cash first, then brokerage, HSA, 401(k), and Roth last. 401(k) withdrawals are taxed at your estimated retirement tax rate (including the part of Social Security that's taxable), plus a 10% penalty before 59½.
    • Taxes use the 2026 federal brackets and standard deduction, your state rate, and Social Security and Medicare payroll tax. Traditional 401(k) and HSA contributions lower your taxable income; Roth contributions don't.
    • If you retire before 65, you pay for your own health insurance until Medicare starts. After 65, Medicare premiums and out-of-pocket costs are added. Health costs rise 2% a year faster than other prices.
    • Life events change income, spending and debts from the year they happen. A new home adds the down payment, closing costs, a new mortgage, and about 1.25% of the price each year for property tax, insurance and upkeep.
    • Safe to spend is this month's take-home pay minus essentials, debt payments, your planned saving, and money set aside for the emergency fund and costs coming in the next 3 years.
    • The vacation budget is what you can spend this year from spare cash without pushing back your retirement age.
    • Spending predictions come from your transactions: typical months use the median of the last 6, next month adds last year's seasonal pattern, and the checking forecast plays your recurring bills and paydays forward with your usual daily spending. Claude helps with categorizing, recaps and reading documents.
    • This is a prototype. Investment gains in a brokerage account aren't taxed in the model, and it isn't financial advice.