How long will your money last?

Find out if you're on track to retire.

Then see how the optimized withdrawal strategy adds six figures to your ending balance, by cutting what you lose to taxes and healthcare. Lumifin finds that strategy, plus the year-by-year plan to execute it. Full app access, $199/yr.

Join → See how long yours lasts ↓

$199/yr · Opens July 2026 · Waitlist open now

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Will your money last? A quick estimate

A smooth-market ballpark for how long your savings stretch, and roughly what you could spend to age 95.

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$
+ Add Social Security (optional)
Rough runway: around age
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How is this calculated?
  • Starts from your investable assets and assumes you begin withdrawing today.
  • Each year it subtracts your spending (grossed up for taxes at the rate you pick), adds Social Security once you claim it, then grows what's left at about 3.9% a year after inflation (a flat ~7% return minus ~3% inflation, in today's dollars).
  • The runway is the age your balance would reach zero at that flat return.
This is a smooth-market sketch on one return path. It doesn't include healthcare costs or down-market years, so it tends to run optimistic. Treat it as a ballpark, not a plan. See everything the app models →
This estimate uses average market returns and a flat tax assumption. It doesn't include healthcare costs. Lumifin stress-tests against a market crash, optimizes withdrawal order across account types, and factors in ACA subsidies (pre-65) and IRMAA tiers (post-65) — that typically changes this number by $5–20K/yr. Model your full picture in Lumifin →

What your projection looks like

Your year-by-year breakdown

Every row shows where each dollar comes from and goes — per-account withdrawals, projected growth, taxes paid, and ending balances. No black boxes.

Year-by-year projection table with expanded per-account breakdown showing withdrawals, projected growth, and ending balances for Taxable, Tax-Deferred, and Tax-Free accounts
Compare scenarios side by side

What if you retire 3 years earlier? Change one thing and see what happens to your ending balance. Milestone markers keep the big picture clear.

Scenario comparison chart showing baseline vs adjusted spending, with Retire, Medicare, and RMD milestone markers and a +$1.5M ending balance improvement

Get full access to the tool

Model every retirement decision yourself — as many scenarios as you want, year by year.

Personal Subscription

Opens July 2026

$199/yr

Full Lumifin app access for a year — model your own retirement decisions, scenario by scenario.

  • ✓ Scenario modeling, withdrawal sequencing, Roth conversions, ACA & Social Security
  • ✓ Unlimited scenarios — model anything you want to test
  • ✓ 30-day money-back guarantee
Join →

First intake August 2026 with 30 spots. No payment to join the waitlist.

Not ready yet? Read the newsletter →

Prefer it done for you?

With the Can I Retire? Assessment ($500), we build your full year-by-year projection and walk you through it — two honest numbers, a 45-minute session, and a one-page summary.

See the Can I Retire? Assessment →

About Nancy

I spent 20+ years as a software and data engineer. When I started planning my own early retirement, I did what engineers do — I built a spreadsheet. Then the spreadsheet got complicated: tax brackets, Roth conversion windows, ACA subsidy cliffs, withdrawal sequencing across five account types. No existing tool shared the optimal plan for funding my income during retirement.

That spreadsheet became Lumifin. I built it for my own planning, then used it to help others approaching retirement — people making the same high-stakes decisions with the same gaps in their tools. Now it's the engine I wish existed when I started: one that actually models the tax interactions that matter most in the decade before and after you stop working.