Money Rehearsal

Explore Your Financial What-Ifs

Explore changes to your spending, saving, income or retirement timing. Compare each What-If against your Money Rehearsal baseline—an overview of your current path toward retirement—in today’s dollars.

Your account

Plans and pricing

Free · $0

Explore your projection, What-If comparisons and graph. Correct Social Security, spending and annual tax estimates.

Essentials · $39/year

Save and resume rehearsals, update balances, and view or download reports. Choose your investment mix and planning horizon.

Plus · $79/year

Everything in Essentials, plus life insurance needs, long-term care insurance needs, custom return and inflation assumptions, and detailed tax, account and midyear controls.

Annual prices are per household. Existing complimentary Plus access includes all features. Live purchases are not available yet. Designated test accounts can use sandbox checkout after signing in.

The starting values are an example household. Replace them with your details before saving your plan.

Household

Use household totals. Reasonable estimates are fine.

Date State code

Include a second person

First name Birth year Retirement age Monthly Social Security Claim age

Income and saving

Annual household employment incomeAnnual household saving

Adjust income and saving by person

We divide totals equally between working household members. Plus lets you adjust that split.

Balances and spending

Enter your current balances. We estimate spending from income minus estimated taxes and saving, so you do not need to prepare a budget.

Cash Taxable investments Traditional IRA / pretax retirement investments Roth investments

Adjust this estimate (optional)

Use your own monthly spending if the estimate does not fit. Include regular living costs and irregular purchases; exclude income taxes and saving already counted.

Spending method

Planning choices

Horizon age Investment mix

Adjust planning assumptions (optional)

We use simplified tax estimates and a 50% taxable cost basis unless you enter an adjustment.

Taxable cost basis override Inflation %Ordinary tax %Capital gain tax % Return modeCustom return % First person’s share of traditional accounts %First person’s share of Roth accounts %

Reduce a stock-heavy allocation toward retirement

This year’s activity

We estimate income, savings and taxes through the day before the date above using a steady annual pattern. Your current balances already include past activity. Adjust for uneven income, recent benefit changes, investment income or withdrawals.

Adjust retirement withdrawals (optional)

Adjust tax and withdrawal details (optional)

Adjust year-to-date amounts

Adjust estimated taxes (optional)

Use your own annual income-tax estimate if ours does not fit. This correction is available with every plan. The amount is used throughout the illustration and rises with assumed inflation.

Annual tax estimate

Free uses an age-100 horizon and balanced investment mix. Essentials ($39/year) includes these choices, saving and reports.

Plus ($79/year) adds insurance needs worksheets, custom assumptions and detailed account and midyear controls.

I have reviewed these household details and balances for the plan I want to save.

Before saving, review your entries, check this box, and calculate your results.

Add a What-IfCompare a What-If with my projection

Your projection and active comparisons are free.

Your Money Rehearsal baseline

Enter the household details to see the comparison.

The protected baseline and the What-If will share one date, horizon and assumption set.

The engine will show retirement and horizon balances, any depletion point, a timeline, shared assumptions and the reason the paths differ.

Your account

Test annual subscriptions

Free · $0

Essentials · $39/year

Plus · $79/year

Enter the household details to see the comparison.