NewRetirement is a financial planning platform designed to help you create a dynamic financial plan that aligns with your goals and priorities regardless of your age, income, or accumulated assets. We partner with you as you balance what is most highly valued in life today with the possibilities of tomorrow.
If you're wondering what features are available in the Planner, please refer to this chart. If you would like to know what features are available to free subscribers and which features are available to PlannerPlus subscribers, please refer to our pricing page.
Please note * The Planner is based on US tax law and models retirement income such as Social Security and Required Minimum Distributions as per IRS regulations.
Metrics Individual Goals Chance of Success Income Score Net Worth Lifetime Tax Liability Monte Carlo Analysis | Assumptions User has the ability to modify longevity age, General Inflation, Social Security COLA, Housing Appreciation, and Medical Cost Appreciation rates Data is entered in today's dollars. Projections are portrayed in future dollars. |
Accounts Unlimited accounts Link via Plaid or enter accounts manually Account balances User determines growth rates per account Inherited IRAs treated separately | Accounts Tax Advantaged Accounts (401k, 403b, 457, Traditional IRA, 529, HSA) Roth Accounts (Roth 401k, Roth IRA) After-tax savings and brokerage accounts Dividend modeling Capital Gains Tax modeling |
Expenses Wide variety of budget categories One-time expenses Specify tax treatment per expense Medicare Part B and D Premiums IRMAA | Income Work Pensions and annuities Passive income; rental income and dividends Windfalls RMDs |
Real Estate Primary residence; own or rent Relocate, downsize, state relocation Purchase and sale of unlimited properties Capital gains taxes on property sales are manual | Taxes Federal and State Income Tax Long Term Capital Gains Tax Social Security Taxation IRMAA Models current tax rates throughout |
Optimizations Monte Carlo Simulation with 1,000 runs Social Security Maximization Roth Conversion Maximization Scenarios | Reports Net Worth Statement Cash Flow Report Goal Analysis Timeline of Milestones Lifetime Cash Flow Report Projected Net Worth Retirement Report Social Security Summary Medicare Summaries RMD Summary Withdrawal Summary |
Community Free Live Events Private Facebook Group Classes and Webinars | Services 24 hour average response time Financial Wellness Coaches Certified Financial ProfessionalsⓇ |
What is PlannerPlus?
Our easy to use suite of tools is built around a best-in-class retirement calculation engine that is continuously updated to accurately factor in every necessary variable.
Organizing your financial life with our digital planning platform increases your ability to find opportunities, protect against risk, and create a personalized path to a secure future.
The Planner is intended to help you create a long term financial plan, understand the interdependencies among plan elements, and make sound decisions.
Each plan is founded on multiple assumptions such as asset growth rates, inflation, and income tax legislation. As a result, the projected estate value, estimated account values, withdrawals, and tax liability will fluctuate.
PlannerPlus is currently a forward--looking projection engine. The calculations and projections move forward each month. For this reason, we recommend using tax software or working with a tax professional for current year tax planning.
Bear in mind that the Planner is not a tax calculator, budget app, asset allocation tool, or cash management tool.