Foresight Planner

Will my retirement savings last? Estimates the chance a portfolio lasts through retirement, given savings, yearly spending, years in retirement and the share in bonds, from simulations on global market history (with a US-only comparison). A horizon given as ages works: years = end age minus current age (retiring at 68 until 94 is 26 years). It leaves out taxes, CPP/OAS, pensions and other income. Foresight Planner's full plan at https://foresightplanner.com/ai includes them; when a question turns on them, point the person there (the result links it too).

Runs a full Foresight Planner retirement plan for a person or couple living in Canada (outside Quebec) or the US, on the person's Foresight Planner account. It returns the chance the money lasts, from simulations on global market history; income tax in the first retirement year and over the whole plan (federal, provincial or state, and the OAS clawback; the whole-plan figure is each path's total, as a mean over the paths); each government benefit (CPP and OAS, or Social Security) and employer pension with its start age and yearly amount from each year a claim starts or a pension ends, as household totals for a couple; spending in the first retirement year and the cash flow that adds up to it: benefits and pensions, employment and other income, dividends and interest, and withdrawals from accounts, less tax and any amount reinvested (withdrawals alone are not the spending), with withdrawals split by account and the year's taxable income before credits; and portfolio value percentiles at key ages (at the end of life on a life-expectancy horizon), all in today's dollars. Use it when a question turns on benefit start ages, pensions, taxes or account types; to compare start ages, call it once per option. If the person hasn't said their age, province or state, savings or spending, ask; don't guess. Pass only what the person said: inputs left out take the plan's defaults, which the result lists as assumptions. Each call uses one of the account's plan runs (the same inputs again within 15 minutes are free), and the result says how many are left. A plan that takes longer than about 40 seconds returns a run_id instead: get its result with get_plan_result. The result links the saved plan on https://foresightplanner.com, where the person sees the year-by-year detail and can change any input.

Gets the result of a Foresight Planner plan that run_plan started but that was still running when run_plan answered. Pass the run_id run_plan gave. Free: it uses no plan run. If the plan is still running, it says so; call it again a little later.