Retirement date comparison for couples

What changes if you and your spouse retire at different times?

Compare three paths for your household. Change four numbers to see the tradeoff instantly.

View or edit the assumptions behind this estimate

We compare the next two years in today’s dollars. By default, your spouse’s take-home earnings cover 50% of spending while working; both working covers 100%. Additional savings and investment growth default to zero.

Spending includes any taxes and healthcare costs you enter. Social Security, pensions, detailed taxes, healthcare changes, and market stress tests are excluded. Employment coverage stops after two years.

Example inputs are prefilled. Edit them for your household. No account or credit card required.

A two-year cash-flow estimate, not a lifetime retirement forecast. A larger remaining balance does not establish that a plan is sustainable.

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The planned report includes a detailed retirement-date comparison, key risks, a downloadable report, and 30 days to update your plan. One-time report checkout is not available yet. You can explore the free planner today.

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