Years Ahead: Retirement Plan

See how your savings, spending and assumptions shape life after work. Years Ahead brings your retirement plan into focus. Enter your balances, yearly saving and spending, then explore an estimated retirement timeline. No bank connection required. UNDERSTAND WHERE YOU STAND See your estimated retirement date, compare it with your own goal and explore how your investments might change over time. Slide through a chart of what people your age hold, using Federal Reserve survey data, and see your net worth from the balances you enter. EXPLORE POSSIBLE MOVES Compare the modeled effects of changes to saving, spending and retirement timing. Choose a scenario, see its calculated impact and keep your actual plan separate. MAKE THE ASSUMPTIONS YOURS Edit your investment mix and growth assumptions. Include expected income after work, with the ages when it starts and stops. Charts show possible paths and the spending your plan may support. GET YOUR SPENDING RIGHT Chat walks you through your spending one category at a time, from housing and utilities to insurance and travel, and keeps a running yearly total. Your plan's spending changes only after you review the before and after. Chat also answers questions about your saved plan. Give permission before sharing financial facts with the AI service. Your conversation is saved across devices, and you can delete it at any time. FREE AND PRO Your date, projections, balance comparisons and typing your expenses into the spending walk-through are free. The spending bar previews the years against your goal and does not save that change. Free includes 2 measured Moves and 3 successful AI replies per UTC calendar month. Saved chat history remains free to read. No ads. Pro unlocks yearly saving and investment-mix controls, keeping an adjusted plan, editable assumptions, the full calculation when you save, unlimited measured Moves, 100 successful AI replies per UTC calendar month and reading bills from photos or PDFs. Photos are read on your phone and are not uploaded or kept. Choose a monthly or annual subscription. Prices are shown in your local currency before purchase. Payment is charged to your Apple Account at confirmation. Subscriptions renew automatically unless cancelled at least 24 hours before the current period ends. Manage or cancel in your Apple Account subscription settings. Deleting your Years Ahead account does not cancel a subscription. Years Ahead uses U.S. financial assumptions and survey sources. Estimates depend on what you enter and the model's assumptions; they are educational, not financial advice or a guarantee. Balance comparisons do not measure how many retirement years ahead or behind other people you are. Sign-in is required. Privacy: https://yearsahead.si/privacy/ Terms: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Model limits: https://yearsahead.si/terms/ Support: https://yearsahead.si/support/