Plans and pricing
Test your plan for free. Keep it on track every year with Plus. Or take a printable plan to your advisor. Every option uses the same honest test: your numbers, replayed through every U.S. market since 1928.
For testing your plan before you retire
$0
With your email address
For keeping your plan on track every year
$69/year
or $8.99 a month. Save $39 with yearly.
For taking your plan to an advisor or spouse
$29 one time
Included free with yearly Plus.
Free
Most retirement calculators assume one average return. Income Horizon replays your savings and spending through every real market since 1928, including the Depression, the 1970s and 2008, and shows how often your plan would have lasted.
Then it shows you better ways to take money out: guardrails that adjust spending a little with the market, a cash bucket so you don’t sell in a crash, and our combined plan that uses both.
Plus · Coming soon
Retirement isn’t one decision. Each year, markets move, prices rise and your cash bucket runs down. Plus turns your rules into a short check-in every January, so you always know what to do next, and why.
Printable plan
Retirement decisions are easier to make together. The printable plan puts your rules and results on a few clear pages you can share with a spouse or a financial professional, with the questions worth asking.
| What you get | Free | Plus | Printable plan (add-on) |
|---|---|---|---|
| Test your spending against every market since 1928 | ✓ | ✓ | — |
| Guardrails, buckets and the combined plan | ✓ | ✓ | — |
| All 28 calculators and walkthroughs (no email needed) | ✓ | ✓ | ✓ |
| The Income Horizon Monthly newsletter | ✓ | ✓ | — |
| Live mode: a yearly check-in with your rules | — | ✓ | — |
| Cash-bucket refill and build schedule | — | ✓ | — |
| Saved plans and scenarios on any device | — | ✓ | — |
| January review reminder | — | ✓ | — |
| Printable withdrawal plan | — | Any time | One plan |
| Questions to take to your advisor | — | ✓ | ✓ |
The printable plan is a one-time add-on: you build it from your numbers in the free planner.
Be first to know when Plus opens. Nothing is charged now, and joining also unlocks the free planner.
Yes. Enter your email address and the whole planner unlocks: every retirement since 1928, guardrails, buckets, the combined plan and the strategy comparison. The calculators on our tools pages don’t need an email at all.
Plus is coming soon. Join the waitlist and we’ll email you when it opens. Nothing is charged to join the waitlist, and joining also unlocks the free planner.
A few pages built from your own numbers: your spending rules step by step, how your plan held up in famous market crashes, the lowest your spending would have gone, what would change your plan, and questions for your advisor. You can see a sample before you buy.
You don’t need it, but it’s built for you. Live mode turns your rules into a short yearly check-in: enter a few numbers each January and it tells you whether to trim, hold or raise spending and whether to refill your cash bucket.
No. Income Horizon is an educational tool that tests plans against market history. It doesn’t consider taxes or your full situation, so we encourage you to review decisions with a fiduciary financial professional. The printable plan is designed to make that conversation easier.
The planner runs in your browser, and the numbers you enter stay on your device. Your email address is used to unlock the planner and, if you choose, to send the newsletter.