Retirement Planner App
Prosper helps you evaluate whether your retirement plan remains sustainable under real-world assumptions, including changing income, costs, taxes, and how spending is funded from your assets.
Model salary and pension phases
Effortlessly transition from earning a paycheck to enjoying your pension. We use your salary before retirement age, and swap it for pension inflows exactly when you decide to call it quits.
Test plan sustainability
Configure your Spending Order so you can evaluate which assets are used first when spending exceeds income.
Include taxes and cost basis
Because the taxman always cometh. Define tax treatments and cost basis assumptions to simulate the actual net money in your pocket when assets are sold.
Compare scenario snapshots
Save snapshots to pit conservative, base, and wildly optimistic expectations against each other in a side-by-side reality check.
Recommended workflow
- Create your profile and baseline assumptions.
- Add assets, liabilities, and recurring cashflows.
- Set retirement age and pension assumptions.
- Run stress scenarios and compare snapshots.
Mortgage Payoff Simulator
Compare amortization strategies and voluntary payments.
Compound Interest Calculator
Project long-term growth with contributions and taxes.