Retirement
A Retirement Planning workbook connects spending and investment projects to show what your resources may support. It derives starting figures from the records you have already imported. Projections depend on those records and the assumptions shown; they are not predictions.
Start with an outlook
- Create spending and investment projects, or use the example household.
- Choose New Workbook → Retirement Planning and select the source projects.
- Confirm your household's ages and retirement timing in the planner's background information. Review any assumptions the workbook has filled in.
- Check the derived balances, return, income and spending. Follow their source links when something looks wrong.
More overlapping statement history improves the basis for the outlook. The analysis uses the history range currently available in the workbook.
Review missing information
Open the retirement workbook's Data Checks to see missing or uncertain inputs. Confirm whose accounts they are, review account types and fix source records where needed. Unassigned accounts can be modeled provisionally as yours; inspect that assumption before relying on an account-level projection.
Ownership can be skipped during project import. It becomes important here because account access and retirement timing depend on the owner.
Explore the questions
The workbook's recipes connect spending, investments and retirement questions: stopping work, sustainable spending and taking a break. Review each answer's starting figures, assumptions and graph. Changing a recipe's inputs explores that question; it does not automatically replace your saved plan.
The Retirement Plan page holds the current planning assumptions. Available scenario controls let you explore spending, income, timing and account withdrawal sequences. Save or update a named plan to keep a change you want to use again. Plan access and activation are shown in Settings → License, without changing your source records.
To try the workflow before using your own records, open Demo Retirement. Example projects stay separate from real household data.