Understand Where Your Money Comes From and Goes

Complete Income and Spending Clarity

Retirement income doesn't come from a single source, and your spending needs will change over time. Will you have enough income to cover your expenses? Where will that income come from? How will your spending evolve?

ReadyAimRetire shows you the complete picture—year by year, source by source, category by category.

Track All Your Income Sources

• Social Security: Model benefits for you and your spouse with different claiming ages
• Pensions: Include employer pensions with COLA adjustments and survivor benefits
• Portfolio withdrawals: See withdrawals from taxable, tax-deferred, and Roth accounts
• Part-time income: Add bridge jobs or consulting income during early retirement
• Rental income: Include real estate rental income with expense tracking
• Annuities: Model fixed or variable annuity payments
• Other income: Add any additional income sources like royalties or side businesses

Model Your Retirement Spending

• Essential expenses: Housing, utilities, food, insurance, and other necessities
• Discretionary spending: Travel, entertainment, hobbies, and lifestyle expenses
• Healthcare costs: Medicare premiums, supplements, prescriptions, and out-of-pocket expenses
• One-time expenses: Home repairs, car purchases, major trips, or other large expenditures
• Spending adjustments: Model the "go-go," "slow-go," "no-go" phases of retirement
• Inflation adjustments: See how inflation impacts your purchasing power over time

Build a Sustainable Retirement Budget

The key to retirement confidence is knowing your income will cover your expenses—not just this year, but every year for the rest of your life.

ReadyAimRetire helps you build a detailed retirement budget that balances your income sources with your spending needs, so you can retire with confidence knowing you've planned for the reality of retirement cash flow.