A fresh start with $150k
Early 30s after selling a shared home: compare keeping cash available, buying a future home, and other user-directed paths over the same horizon.
Which future are you trying to understand?
Start with a situation that feels familiar. Follow one worked example for decades, see what drives the result, then change the assumptions yourself.
Choose a scenario belowAU · EARLY CAREEROpen the early-career scenario
What could steady saving change while time is still on my side?
Follow an Australian early-career example from today through later working life. Change contributions, returns, inflation, and retirement timing inside the full scenario.
NowBuild the starting position
Working yearsTest contributions
Later lifeInspect the estimate
US · MID CAREEROpen the mid-career scenario
How might today’s choices change the number of working years left?
Explore a US household example with established income, spending, 401(k), and Roth IRA assumptions. Compare the paths without treating any result as a recommendation.
NowRecord the household
Next decadeCompare trade-offs
RetirementReview the timing
UK · PENSION TIMINGOpen the pension-timing scenario
What happens between stopping work and pension access?
Inspect a UK workplace-pension example where access timing changes the broader path. Follow the bridge years, later income, and editable assumptions together.
WorkingBuild pension savings
BridgeModel access timing
PensionFollow later income
One model. The whole life around the decision.
A mortgage calculator, pension calculator, and savings calculator each show one piece. Plan in Decades puts the pieces on the same timeline so their interactions stay visible.
The working
- Record where the household starts.
- Add future income, expenses, goals, and account rules.
- Review the assumptions that materially affect the estimate.
- Change an input and recalculate the same model.
Same inputs.
Same calculation.
Same result.
The calculation engine is deterministic. AI can help enter information or explain model mechanics, but it does not invent the result and does not provide a personalised recommendation.
Read how the model worksThree public files. Open the closest one.
No sign-up is needed to inspect these examples. They use illustrative inputs; open one, check its assumptions, and decide whether the model helps you frame your own questions.
AU · EARLY CAREER
I’m starting out
What could steady saving change while time is still on my side?
Starting pointA public Australian exampleAccountsCash, investments, super
Open this scenarioUS · MID CAREERI’m mid-career
How might today’s choices change the number of working years left?
Starting pointA public US exampleAccounts401(k), Roth IRA, taxable
Open this scenarioUK · PENSION TIMINGMy pension starts later
What happens between stopping work and pension access?
Starting pointA public UK exampleFocusWorkplace pension timing
Open this scenarioThe next scenarios should begin where real questions begin.
Audience research points to three recurring moments: feeling behind, holding cash without a clear next step, and trying to keep future housing possible while building long-term wealth. These are suggested scenario briefs, not advice.
Building a first-home foundation
Early 30s, debt-free, rapidly growing an emergency fund: model deposit timing, housing costs, and retirement savings without prescribing a product.
Saving and investing at 25
New graduate with rising income and uncertain housing plans: compare short- and long-horizon allocations as scenarios, not recommendations.
Property belongs on the same page as everything else.
For many Australian households, a home is both a major asset and a major debt. Explore NSW property history as another research layer, then bring that context back to the household model.
Your numbers can start with a quiet monthly snapshot.
Plan in Decades is deliberately not a live market feed. Enter assets, debts, income, and expenses periodically; use that snapshot as the starting point for a long-horizon scenario.
Open demo finances