Let's get to know you
A few basics to build your MyYolk retirement plan.
Who are you planning for?
Personal Information
Enter your birthday then click Calculate Age
Calculated from date of birth · editable
Used to calculate state tax on retirement income
Income & Pay
Tell us about your earnings. Upload a recent pay stub to fill this in automatically.
💼 Your Income
Pro
Upload Pay Stub
Click or drop a PDF or image — we'll auto-fill the fields below
✅
Reading your pay stub…
Bonuses & Additional Compensation
For multiple vesting dates across different years, use Future Income Schedule below.
Total Annual Income
$0
Monthly (Avg)
$0
Per Paycheck
$0
📅 Future Income Schedule
Add income that vests, starts, or pays out at a specific point in time — RSUs, pension, deferred comp, part-time work, and more. Each entry flows automatically into your projections.
Additional Income Sources
Other income streams that will continue into retirement.
Total Additional Income: $0/mo
How this is used: These income sources feed directly into your Projections (reduces portfolio withdrawals needed), Readiness Score (counted as retirement income), and What-If Scenarios. Start/End Age controls when each source is active — leave End Age blank for income that lasts forever. One-Time amounts are excluded from monthly totals.
💡 Budget Health Check
How does your monthly budget compare to your estimated take-home pay?
GROSS INCOME
—
per month
EST. TAKE-HOME
—
after fed + state tax
MONTHLY BUDGET
—
current spending
Tax estimate uses 2024 federal brackets + PA state flat tax (3.07%) with standard deduction. Married filing jointly when planning as a couple.
Accounts & Savings
Enter current balances and contribution details.
Your Finances
Common in education, healthcare & nonprofits
Annual pension income starting at retirement
Annual Contributions
Investment Assumptions
Applied to 401k, IRA, and taxable investments
HYSA ~4-5%, checking ~0%. Applied to cash balances only.
Applied to primary and second home values in projections. National avg ~3-4%.
Used to adjust future expenses. Historical avg ~3%. Higher = more conservative.
Personal Property & Other Assets
Mortgage payments will automatically appear in your Budget tab. Enter payoff year to drop mortgage from future calculations.
🚗 Vehicles
💎 Other Assets
Social Security
Enter benefit estimates for accurate retirement projections.
Your Social Security
💡 This is an approximation. For best accuracy, use Enter Manually with your actual estimates from ssa.gov/myaccount
—
Age 62
—
Age 65
—
Age 67 ★
—
Age 70
—
👶 Dependent Child Benefits
Children under 18 may receive up to 50% of your PIA, subject to the Family Maximum Benefit. Each child's benefit steps down as they turn 18.
📍 Using your retirement age from Profile tab
Budget Planner
Enter your estimated monthly expenses. This helps calculate how much you'll need in retirement.
Category
Monthly ($)
Annual ($)
🏠 Housing
Custom items
🚗 Transportation
Custom items
🍽️ Food
Custom items
🏥 Health
Custom items
💼 Professional Services
Custom items
🎓 Education & Family
💡 Paying down past student loans? Use Student Loans in 💳 Debt Payments below.
Custom items
🎭 Lifestyle
Custom items
🛡️ Insurance & Life
Policy NameMonthlyAnnual
💳 Debt Payments
🏠 Mortgage payments are auto-filled in Housing above. 🚗 Vehicle payments are auto-filled in Transportation above. Both pull from Accounts & Savings.
Student Loans (paying down past education debt)
💡 For tuition you're currently paying, use Current Tuition in 🎓 Education & Family above.
Credit Cards
Personal Loans
Other Debt
💡 Debts with payoff dates will be removed from your retirement expense projections automatically
Total Monthly Expenses
$0
$0
Current vs. Retirement Spending
📅 Current Monthly
$0
$0 / year
🎯 Est. Retirement Monthly
$0
$0 / year · inflation-adjusted
📊 Coverage Gap
—
vs. portfolio drawdown only — see Readiness tab for full picture including SS
Spending Sustainability
—
Enter your budget and account info to see coverage
💡
Retirement spending estimated with 3% annual inflation over — years
Retirement Lifestyle Adjustments
Drag sliders to model how expenses will change
Some costs go down in retirement (commuting, work clothes), others go up (healthcare, leisure). Adjust the sliders to reflect your expected lifestyle.
100%
100%
100%
100%
100%
3%
Spending Breakdown by Category
Enter your budget above to see the breakdown.
Spending Insights
Fill in your budget and account details to unlock personalized insights.
✨ Pro Preview — Budget Tracker shows you:
April 2026 spending
$5,847
$113 under budget
3-month average
$5,912
vs $5,960 target
Top category drift
Dining
+$87 vs avg
🛒 Groceries
$1,212
on track
⛽ Gas
$487
-$13
🍴 Dining
$287
+$87 over
🏠 Utilities
$352
on track
🚗 Auto Insurance
$478
on track
📱 Subscriptions
$237
+$23 over
+ CSV import from 14 banks. Auto-categorization. Trend tracking month over month.
Budget Tracker
Log what you actually spent each month and watch your patterns over time.
Log Your Actuals
Pre-filled from last month — edit any amount that changed
| Category / Line Item | Budget | Actual | Variance |
|---|
✓ Saved
Retirement Projection
Watch your portfolio grow year by year based on your inputs.
—
Projected Portfolio at Retirement
investments only — excludes home
—
Est. Monthly Drawdown (4% rule)
—
SS Income at Retirement
—
Years Until Retirement
—
Total Net Worth at Retirement
How we calculate your net worth at retirement:
Investable Portfolio—
Other Assets—
Total Net Worth at Retirement—
* Appreciation rates set per property in Accounts & Savings.
Portfolio Growth
Year-by-Year Breakdown
| Year | Age | Trad 401k | Roth 401k | Roth IRA | Taxable | ESPP | Total Portfolio |
|---|
Retirement Readiness
Are you on track? Here's your personalized readiness score.
—
READINESS
Enter your information to see your score
How we calculated this
Score breakdown
Income Coverage (40% weight)—%
Portfolio Longevity (40% weight)—%
Savings Rate (20% weight)—%
Total Readiness—%
Assumptions used
- Pre-retirement growth: — (from Accounts tab)
- In-retirement growth: — (50% of pre-retirement — we assume a more conservative allocation in retirement)
- Inflation: — (from your input)
- Safe withdrawal rate: 4% (industry standard)
- Retirement age: — → Life expectancy: —
MyYolk weighs balance — income, portfolio longevity, and savings habits — not just portfolio size. Other tools may emphasize one factor more than others, which is why scores can differ.
Monthly Income at Retirement
—
—
—
—
Monthly Expenses at Retirement
—
—
Today's budget × inflation × lifestyle adjustments (set in Budget tab sliders)
Gap Analysis
Monthly Income
—
Monthly Expenses
—
Monthly Income vs Expenses
—
Required Monthly Portfolio Draw
—
Money Runs Out At Age
—
Based on withdrawal rate
🎲 Monte Carlo Simulation 1,000 Scenarios
Instead of one straight-line projection, we simulate 1,000 possible market scenarios with realistic ups and downs. This shows your probability of not outliving your money.
SUCCESS RATE
—
of scenarios you don't run out
MEDIAN PORTFOLIO AT END
—
at age — (50th percentile)
0%Failure—Success100%
Assumes mean annual return of — with volatility of — (scaled to your portfolio mix). Each simulation varies returns randomly year by year and grows expenses with inflation (—/yr).
✨ Pro Preview — What-If Scenarios shows you:
Scenario: Work 2 more years (retire at 64 instead of 62)
Current plan
$847K
at age 62
With scenario
$1.12M
at age 64
Net difference
+$273K
over lifetime
Plus: Life Events modeling (weddings, inheritances, medical costs), Quick Scenarios, side-by-side comparison.
What-If Scenarios
See how small changes today create big differences at retirement.
⚡ Quick Scenarios
Click any scenario to instantly see the impact vs your current plan.
🎯 Life Events
Model one-time or multi-year events that will impact your finances — weddings, inheritance, medical costs, career changes, and more. Each event adjusts your retirement projection automatically.
🎛️ Adjust the Scenario
Added to your current contributions
Overrides your budget tab amount
Monthly income for first 5 years of retirement
One-time lump sum added to your portfolio at retirement (inheritance, home sale, bonus, etc.)
📊 What-If Results
Adjust the scenario to see results.
Current Plan
Portfolio
—
Monthly Draw
—
Money Lasts
—
What-If Plan
Portfolio
—
Monthly Draw
—
Money Lasts
—
DIFFERENCE vs CURRENT PLAN
Portfolio:—
Monthly Draw:—
Years Longer:—
✨ Pro Preview — Early Retirement analysis shows you:
Can you retire at 58 instead of 62?
Need at age 58
$1.48M
to bridge to SS
Projected at 58
$1.21M
on current path
Gap to close
$270K
need +$2,420/mo
🏥 Health insurance (pre-65)
$1,840/mo
ACA marketplace
💰 Safe withdrawal rate
3.5%
for 30+ years
📊 Bridge years (58–62)
$148K total
from taxable acct
🎯 Recommended action
Max 401(k)
+$1,920/mo
Plus: FIRE number calc, sequence-of-returns analysis, pre-65 healthcare cost modeling.
Early Retirement & Layoff
What if income stopped earlier than planned? Model the impact.
Scenario Inputs
Portfolio When Income Stops
$—
Cash Runway
— yrs
From portfolio + severance
Est. Portfolio at Retirement
$—
Market growth, no new contributions
Retirement Outcome
Safe Withdrawal (4%)
$—
Assessment
—
🧪 Demo Mode — This is a preview of what your personalized employer benefits page would look like. The numbers below are sample data based on a fictional Acme Corp benefits package.
🏢 My Acme Corp Plan
Your employer-sponsored benefits, explained in plain English. When your employer signs up with MyYolk, this tab populates automatically with YOUR real plan details.
💼 Your Acme Corp 401(k) Match
You Contribute
6%
$600/mo
Acme Matches
$600/mo
100% up to 6%
Status
Fully Matched ✅
$0/mo left on table
💡 Did you know? If you contributed only 4% instead of 6%, you'd be leaving $1,440/year of employer match on the table. Many workers under-contribute simply because they don't realize the gap.
📈 Acme Corp Employee Stock Purchase Plan (ESPP)
Next Enrollment Window
Jun 1 – Jun 30, 2026
Discount
10%
Max Contribution
$18,000
at your salary
Estimated Annual Benefit
~$1,800/yr
free money at max contribution
📋 ESPP shares are typically best held 12–18 months for favorable tax treatment.
📅 Acme Corp RSU Vesting Schedule
| Vesting Date | Shares | Estimated Value |
|---|---|---|
| Aug 15, 2026 | 250 | $12,500 |
| Aug 15, 2027 | 250 | $13,000 |
| Aug 15, 2028 | 250 | $13,500 |
| Aug 15, 2029 | 250 | $14,000 |
| Total Unvested | 1,000 | ~$53,000 |
⚠️ RSUs are taxed as income on vest date. Plan for withholding (~$3,750 expected on Aug 15, 2026 vest).
💰 Acme Corp Profit Sharing (P-Shares)
2025 Payout (% of salary)
6.5%
At Your Salary
~$7,800
approximate gross
Tax-Deferral
Available
talk to HR by Nov 15
📅 Acme P-Share payouts typically land in February. Deferral elections must be made the prior November.
✅ Recommended Actions
- You're maxing your 401(k) match — $7,200/year captured. Keep going. ✅
- Mark June 1 on your calendar — ESPP enrollment opens. Consider maxing out for the 10% discount.
- Plan for August 15 RSU vest — set aside ~$3,750 for tax withholding.
- Talk to HR about P-Share deferral — Nov 15 election deadline.
- Consider increasing 401(k) above match — your current 6% covers the match, but tax-deferred space is still available up to the IRS limit ($23,500 for 2026).
💡 How this works: When your employer signs up with MyYolk, this tab populates automatically with YOUR real plan details — no manual entry, no sharing of confidential plan documents required from you. Your employer provides the plan terms once at signup; every employee sees their personalized version.
✨ Pro Preview — Summary shows you the full picture:
Your retirement plan at a glance
Retirement age
62
In 6 years
Projected nest egg
$1.34M
investments at 62
Monthly retirement income
$8,420
covers your $6,400 budget
Readiness score
88%
On track
📈 Investment growth (next 6 yr)
+$487K
7% avg return
🏛️ Social Security claiming
Age 67
$3,715/mo
🎲 Monte Carlo confidence
94%
money lasts
💡 Top action item
Roth conversion
save $42K tax
Plus: Full PDF export, action items, year-by-year projections, downloadable plan.
Your MyYolk Summary
Your complete financial snapshot - net worth, retirement readiness, and key milestones.
Net Worth Statement
Total Assets
$0
Everything you own
Total Liabilities
$0
Everything you owe
Current Net Worth
$0
Assets minus liabilities
Asset Breakdown
Retirement Accounts$0
Cash & Savings$0
Home Equity$0
Investment Properties$0
Vehicles$0
Personal Property$0
Retirement Readiness
Portfolio at Retirement
investments only — excludes home
$0
Monthly Income (4% Rule)
$0
Social Security (est.)
$0
Per month
Readiness Score
—
📈 Your Progress
🔒 Sample preview
Coming soon — your real history will populate here over time.
| Metric | Q2 2026 Now |
Q1 2026 3 mo ago |
Q4 2025 6 mo ago |
Q2 2025 1 yr ago |
|---|---|---|---|---|
| Readiness Score | 88% | 82% ↑6 | 76% ↑12 | — |
| Net Worth | $695K | $642K ↑8% | $598K ↑16% | — |
| Portfolio | $612K | $568K ↑8% | $521K ↑17% | — |
| Total Debt | $42K | $58K ↓28% | $71K ↓41% | — |
| Monthly Budget | $5,960 | $5,830 | $5,720 | — |
| Years to Retirement | 6 | 6 | 6 | — |
| Success Rate | 94% | 89% ↑5 | 84% ↑10 | — |
📋 About this card: Quarterly snapshots are based on the most recent saved plan in each quarter. Your real history will appear here as you continue using MyYolk over time — each quarter you visit your Summary, we capture a snapshot of these metrics so you can see your progress over months and years.
🔐 Heads up: Tracking history requires a free MyYolk account so your snapshots persist across sessions and devices. Without an account, your data only exists in your current browser session.
Key Milestones
Fill in your details to see your personalized milestones
Smart Insights
Your personalized insights will appear here as you fill in your plan
🥚
Your MyYolk Plan is Ready
Download your complete retirement plan as a PDF to save, print, or share with a financial advisor.
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