Money Rescue · Retirement Planning
Pass only
Estimate the income. Protect the 30-year runway.
Tell us what you've saved, what guaranteed income you expect, and when you plan to stop – get a spending range, guardrails for bad years, and a review you repeat annually.
3
spending scenarios
4
guardrails for bad years
30
year planning horizon
The fear isn't the arithmetic, it's making a mistake you can't undo
A balance tells you what you have, not what you can safely spend.
One figure, no room
A single number produces either false comfort or unnecessary frugality.
Costs won't sit still
What looks liveable now has to stretch across decades of rising prices.
Bad years early
A poor run soon after stopping work does more damage than the same run later.
Never revisited
The plan gets made once and never checked against what actually happened.
What you get
Everything you need to plan across thirty years rather than one.
3 spending scenarios
A cautious floor, a middle band and a more flexible upper edge – with what each one assumes.
Guaranteed income as the floor
How pensions and state provision fit underneath the rest, and why timing the claim matters.
Inflation thinking
How to plan for costs that keep moving, and which of your outgoings move fastest.
4 guardrails
Rules agreed in advance for what to trim, and when, if markets or costs turn against the plan.
Yearly review
A short annual check that keeps the plan current instead of frozen at the day you made it.
How it works
From a total in an account to a plan you can revisit in 2 minutes.
1
Answer 5 quick questions
Roughly what you've saved, guaranteed income expected, target retirement age, health and family longevity, biggest worry.
~2 minutes2
AI builds your plan
Custom HTML with the three scenarios, income floor, inflation thinking, guardrails, and the annual review.
~30 seconds3
Write down your assumptions
Record what you're assuming about income, costs and timing – that page is what next year's review compares against.
5 minutes to begin3
spending scenarios instead of one guess
4
guardrails for bad years
30
year planning horizon
1
review each year
Questions
Everything you need to know.
Will it tell me exactly what I can spend?
No, and anything that claims to is overstating what's knowable. Outcomes depend on inflation, markets and how long you live, which is why the answer is a range you revisit.
Why is a range better than a number?
Because a fixed figure is either too cautious or too optimistic and you won't know which for years. A floor, a middle and a flexible top lets you adjust as things unfold.
What if I don't know when I'll stop working?
Then you plan in scenarios rather than pretending it's settled. The framework handles a range of dates, including claiming guaranteed income earlier or later.
Does it work outside the US?
The structure does – a guaranteed income floor plus drawdown from savings is common everywhere. The specific rules for your state or workplace pension you'll need locally.
Does this replace a financial adviser?
No. It's an educational framework for thinking and reviewing, not personalised advice about your investments or tax. For decisions of this size, a regulated adviser is worth the fee.
Reviews
Real savers, real clarity.
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