Realistic markets
Returns with crashes, calm stretches and the occasional bad decade, plus inflation that runs hot for years at a time.
Retirement planning, stress-tested
Know how likely your savings are to last.
Surveyor plays out thousands of possible futures for your household: good markets and bad, high inflation and low, a long life and a shorter one. It shows you the odds your money lasts, and what changes them.
Sign in with just your email. No password to remember.
Chance your money lasts
87%of 2,000 futures
Built on the details that actually decide a retirement
Simple calculators assume a steady 7% return. Real life doesn't. Surveyor models the things that move the answer, month by month.
Real taxes
Current federal brackets and your own state's, all 50 plus DC, applied to every withdrawal, pension and Social Security check.
Social Security and pensions
Benefits from the actual Social Security formula and your work history, plus CalSTRS, CalPERS and federal (FERS) pensions.
How long you'll live
Lifespans drawn from Social Security's own mortality tables, adjusted for your health, so planning to 95 isn't a guess.
Care late in life
The chance and cost of home care, assisted living, memory care or a nursing home, with insurance and Medicaid if you have them.
Your whole household
A spouse, children and college, homes and mortgages, cars, trips, windfalls and the big expenses you already see coming.
401(k), 403(b), 457(b)
Roth and traditional IRAs
HSAs
Required minimum distributions
Inherited accounts
Annuities
Life insurance
Rental property
Stock options and RSUs
Crypto
ACA and Medicare (IRMAA)
Estate planning
From a blank page to a clear answer
Start with a few numbers and add detail when you're ready. Every change re-runs the simulation in seconds.
Describe your household
Ages, jobs, savings, pensions and spending. Link investment accounts through Plaid, or type balances in yourself.
Run thousands of futures
Surveyor simulates your plan month by month through each one, with taxes, withdrawals and required distributions handled for you.
See what moves the odds
Try retiring a year later, claiming Social Security at 70, or spending a little less, and watch your chance of success change.
Your finances stay yours
A plan this detailed needs real numbers. Here's what we promise in return. The Privacy Policy has the full detail.
- Never sold. We don't sell your information or share it for advertising.
- Never used to train AI. Your plan is not used to train or evaluate machine-learning models.
- Your bank login never reaches us. You sign in to your bank in Plaid's own window; our access is encrypted and you can revoke it any time.
- Deleted when you ask. Request it and your account and plan are gone within 7 days.
- No tracking. No advertising or analytics cookies, on this page or in the app.
- Walled off. Database-level rules mean a signed-in user can only ever reach their own plan.
Find out where you stand.
It takes a few minutes to enter the basics, and you'll see your first result right away.