Ready for real retirement planning?

Eggstack is a powerful tool that puts you in charge of retirement planning. It’s designed for individuals and couples, those who are working, and those who are already retired. It’s the perfect solution to determine whether you’re on track or you need to make changes.

It's your retirement and you’re going to be living it, shouldn’t you be the one planning it? Stop losing sleep over retirement planning and get started today!

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How it works
Enter Data
Enter
Data
Enter data based on your actual finances or use assumptions you can change later
Get Results
Get
Results
Easily determine whether your retirement savings are enough or you need to make changes
Explore Options
Explore
Options
Test different scenarios and instantly see the effect on your savings and retirement lifestyle

Privacy and security

Eggstack is the safe and secure way to plan for retirement. No one can hack your sensitive data because Eggstack doesn’t ask for any. There are no links to your investment accounts, no ads, and no one will call.

Eggstack is totally private but privacy isn’t free. Unlike big tech, Eggstack is not supported by selling your data. A modest subscription is required to continue using Eggstack after the free trial has ended.

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Find answers to your most urgent questions

Eggstack answers the most important questions:

  • When can I retire?
  • How much do I need to save?
  • When should I start taking Social Security?

It's time to stop guessing and start knowing.

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Make informed decisions

Eggstack helps you make informed decision by forecasting results before they happen.

  • New home purchase
  • Relocate to a different state
  • Traditional or Roth account?
  • Whole or term life insurance?

Life is too short to learn everything the hard way.

Get Started

Wanna get in the weeds?

You can breeze through Eggstack in a matter of minutes or get into as much detail as you want. Eggstack’s robust simulation engine supports advanced features including Monte Carlo simulation, Roth conversions, investment property, reverse mortgages, portfolio rebalancing, annuities, QLACs, Social Security insolvency and more. You can deploy multiple cases and explore "what if" scenarios to your heart’s content.

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What people are saying
Great program!  "This is just what we needed to confirm we're on track with our retirement savings. Great program with more features than I expected. Thanks!"
Rick in Texas
Really helped us  "Easy to use, really helped us see that we need to start saving more for retirement."
Larry in Connecticut
Simple to use  "Simple to use and understand. Why all financial software packages don't have a tool this good is beyond me."
Stephanie in California
Superb Monte Carlo capability!  "Affordable way to run comparative life scenarios to include anticipating future cost items (new roof, water heater, HVAC, etc.) and lifetime adjustments (less travel costs after age 80) to realistically anticipate tax effective withdrawal strategies."
John in Ohio
Get Started
 
 
Let's get started!
Enter data based on your actual finances or use assumptions you can change later
 
Enter Data
Your information
10 minutes
 
Use Assumptions
3 questions
1 minute
3 questions, you got this!
PLAN BASIS
AGE
INCOME
BEFORE
RETIREMENT
Eggstack needs some basic information to get started. Your data is safe and never shared.
Would you like to plan as an individual or couple?
Individual/Couple
About you
Name
Age
Retirement Age
Life Expectancy
About your partner
Partner's Name
Partner's Age
Partner's Retirement Age
Partner's Life Expectancy
LIFE EXPECTANCY
HIDDEN
ENTER NOW
MAYBE LATER
TAX BASICS
Eggstack calculates taxes based on IRS tax code and the tax laws in your state.
How do you file your taxes?
Tax Filing Status
Live Separately?
State of residence
State Income Tax Basis
ADD STATE
State Details
Who is age range based on?
State Age Basis
State Start/Thru Age
LIFE
Your Income
Gross Income
Pay Period
Partner's Income
Gross Income
Pay Period
Your Social Security
Age Start
Monthly Benefit at Full Retirement Age
Partner's Social Security
Age Start
Monthly Benefit at Full Retirement Age
SOCIAL SECURITY INSOLVENCY
OFF
Social Security Insolvency
Social Security benefits will be reduced by   beginning in  
REDUCTION
YEAR START
BUSINESS/OTHER INCOME
NONE
Business/Other Income
Additional Income
ADD BUSINESS
Business/Other Income Details
Income Recipient
Income Type
Alimony Indexed for Inflation
Income Amount
Intrinsic Value
Income Frequency
Annual Rate of Change
Income Start/Thru Age
LIFE
Married Filing Separately Proportion
PRE-TAX
AFTER-TAX
TAXABLE
Pre-Tax Investment Details
Account Owner
Account Type
Contributions
Funds periodically added
EXCEEDS LIMIT
Automatic Increase
Contribution Frequency
Contribution Age Start/Thru
RETIRE
PORTFOLIO REBALANCING
OFF
Portfolio Rebalancing
Portfolio Account Designation
Rebalancing Method
Portfolio Ratio Drift
MONTE CARLO SIMULATION
OFF
Monte Carlo Simulation
Asset Class
MEAN RETURN
STANDARD DEVIATION
Investment Return
POST-RETIREMENT RETURN
SAME
Post-Retirement Investment Return
Employer Match
Contributions Matched
Employer Match Percent
Employer Match Cap
INVESTMENT LOAN
NONE
Investment Loan
Existing or New?
Loan Balance
Loan Payment Amount
Loan Payment Frequency
Loan Age Start/Thru
RETIRE
ROTH CONVERSION
NONE
Roth Conversion
Roth Conversion Amount
Roth Conversion Type
Roth Conversion Tax Source
Roth Conversion Tax Source Account
ACCOUNT
Roth Conversion Age
After-Tax Investment Details
Account Owner
Account Type
Contributions
Funds periodically added
EXCEEDS LIMIT
Contribution Amount
Automatic Increase
Contribution Frequency
Contribution Age Start/Thru
RETIRE
PORTFOLIO REBALANCING
OFF
Portfolio Rebalancing
Portfolio Account Designation
Rebalancing Method
Portfolio Ratio Drift
MONTE CARLO SIMULATION
OFF
Monte Carlo Simulation
Asset Class
MEAN RETURN
STANDARD DEVIATION
Investment Return
POST-RETIREMENT RETURN
SAME
Post-Retirement Investment Return
Employer Match
Contributions Matched
Employer Match Percent
Employer Match Cap
Current Pre-Tax Portion of Account Balance
Taxable Investment Details
Account Owner
Account Type
Contributions
Funds periodically added
Contribution Amount
Automatic Increase
Contribution Frequency
Contribution Age Start/Thru
RETIRE
PORTFOLIO REBALANCING
OFF
Portfolio Rebalancing
Portfolio Account Designation
Rebalancing Method
Portfolio Ratio Drift
MONTE CARLO SIMULATION
OFF
Monte Carlo Simulation
Asset Class
MEAN RETURN
STANDARD DEVIATION
Investment Return
POST-RETIREMENT RETURN
SAME
Post-Retirement Investment Return
DIVIDENDS
NONE
Dividends
Dividend Amount
Dividends Reinvested?
ENTER NOW
MAYBE LATER
OTHER INVESTMENTS
PENSIONS
NONE
Pensions
ADD PENSION
ANNUITIES
NONE
Annuities
ADD ANNUITY
LIFE INSURANCE
NONE
Life Insurance
ADD INSURANCE
INVESTMENT PROPERTY
NONE
Investment Property
ADD INVESTMENT PROPERTY
Pension Details
Pension Owner
Pension Amount
Pension Payment Frequency
Pension Age Start/Thru
LIFE
Annuity Details
Annuity Owner
New or Existing?
Annuity Type
Annual Return
Annuity Tax Basis
QLAC
Rollover?
Rollover Source
ACCOUNT
Rollover Amount
EXCEEDS LIMIT
Annuity Distribution Type
Annuity Period Certain
Annuity Premiums
Periodic amount you pay
Premium Amount
Premium Frequency
Premium Age Start/Thru
RETIRE
Annuity Payments
Annuity Payment Amount
Annuity Payment Frequency
Annuity Payment Age Start
Life Insurance Details
Policyholder
Face Value
Cash Value
Planned Cash-In
LIFE
Policy Type
Benefit Type
Premium Amount
Premium Frequency
Dividends
Dividend Amount
Dividend Destination
Guaranteed Rate of Return
Estimated Rate of Return
LOAN
NONE
Loan
Existing or New?
Loan Balance
Loan Payment Amount
Loan Payment Frequency
Loan Age Start/Thru
LIFE
Investment Property Details
Year of Purchase/Sale
Purchase Price
Land Value
Property Improvements
Mortgage
Property mortgage
Mortgage
Initial Mortgage Balance
Total Mortgage Term
Mortgage Interest Rate
Married Filing Separately Proportion
Monthly Rent
Annual Rent Increase
Months Vacant
Annual Property Taxes
Annual Homeowners Insurance
Annual HOA Fees
Annual Repairs & Maintenance
Other Annual Costs
Realtor Commission
Seller’s Closing Costs
Do You Rent or Own?
Monthly Rent
Purchased Home Name
Monthly Mortgage Payment
ADD RESIDENCE
Residence Details
Existing or New?
Age Basis
Age Start/Thru
LIFE
Purchase Price
Current Market Value
Mortgage Balance at Sale
Sale Proceeds Destination
Select residence to apply sale proceeds
HOME
Select taxable investment account to apply sale proceeds
ACCOUNT
Married Filing Separately Proportion
Mortgage
Home mortgage
Monthly Mortgage Payment
Annual Property Taxes
Annual Homeowners Insurance
REVERSE MORTGAGE
NONE
Reverse Mortgage
Reverse Mortgage Payments
Distribution Frequency
Reverse Mortgage Age Basis
Reverse Mortgage Age Start
Term
Years
Vehicles
Number of Vehicles
Own or Lease?
DURATION
HIDDEN
Years Kept Typical Vehicle
Years Kept Current Vehicle
Cash or Loan?
Typical Loan Term
Downsize in Retirement
One vehicle in retirement
Expenses
Expense Name
Expense Amount
ADD EXPENSE
Enter living expenses as one combined value
COMBINED EXPENSES
OFF
Combined Monthly Expenses
Combined Monthly Expenses
Expense Amount
Expense Type
Alimony Paid
Who Pays?
Inflation-Adjusted?
Payment Frequency
Expense Age Basis
LIFE
Ending Balance
RETIREMENT SAVINGS AT PLAN END
ENDING BALANCE
$0
Investment Returns
PREDOMINANT RETIREMENT STATE
Effective Tax Rate
Retirement Taxes
TOTAL RETIREMENT PERIOD TAXES
$0
Savings Rate
Summary Report
Age
Partner
Annual Summary
Beginning Balance
Investment Contributions
Investment Growth
Income
Expenses
Taxes
Distributions
Ending Balance
Tabulated Results
Age
Partner
YEAR START
Pre-Tax Beginning Balance
Pre-Tax Beginning Balance
Pre-Tax Loan Balance
Pre-Tax Loan Balance
After-Tax Beginning Balance
After-Tax Beginning Balance
Taxable Beginning Balance
Taxable Beginning Balance
Virtual Account Beginning Balance
Year Start
SAVINGS & INVESTMENTS
Pre-Tax Personal Contributions
Pre-Tax Personal Contributions
After-Tax Personal Contributions
After-Tax Personal Contributions
Taxable Personal Contributions
Taxable Personal Contributions
Total Personal Contributions
Pre-Tax Employer Contributions
Pre-Tax Employer Contributions
After-Tax Employer Contributions
After-Tax Employer Contributions
Total Employer Contributions
Pre-Tax Investment Returns
Pre-Tax Investment Returns
After-Tax Investment Returns
After-Tax Investment Returns
Taxable Investment Returns
Taxable Investment Returns
Virtual Account Returns
Total Investment Growth
INCOME
Gross Earned Income
Gross Earned Income
Total Gross Earned Income
Scheduled Social Security Benefits
Scheduled Social Security Benefits
Social Security Reduction: Earned Income
Social Security Reduction: Earned Income
Social Security Reduction: Insolvency
Social Security Reduction: Insolvency
Total Social Security Benefits
Pension Benefits
Pension Benefits
Annuity Distributions
Annuity Distributions
Business & Other Income
Home Sale
Investment Property
Reverse Mortgage
Loan Proceeds
Loan Proceeds
Dividends
Dividends
Life Insurance
Life Insurance
Total Income
FINANCIAL OBLIGATIONS
Residence Purchase
Residence Payments
Housing Expenses
Vehicle Purchase
Vehicle Payments
Transportation Expenses
Groceries
Healthcare
Entertainment
Vacation
Donations
Gifts
Alimony Paid
Other Expenses
Annuity Premiums
Life Insurance Premiums
Investment Contributions
Payroll Withholdings
Investment Loan Payments
Life Insurance Loan Payments
Total Financial Obligations
TAXES
Federal Tax Social Security Benefits
State Tax Social Security Benefits
Federal Tax Ordinary Income
State Tax Ordinary Income
Federal Tax Long-Term Capital Gains
State Tax Long-Term Capital Gains
Federal Tax RMDs
State Tax RMDs
Federal Penalty for Early Withdrawal
State Penalty for Early Withdrawal
Federal Tax
State Tax
Federal Effective Tax Rate
State Effective Tax Rate
Total Taxes
DISTRIBUTIONS
RMDs
RMDs
Pre-Tax over RMDs
Pre-Tax over RMDs
After-Tax Distributions
After-Tax Distributions
Taxable Distributions
Taxable Distributions
Virtual Account Distribution
Total Distributions
YEAR END
Pre-Tax Ending Balance
Pre-Tax Ending Balance
Pre-Tax Ending Loan Balance
Pre-Tax Ending Loan Balance
After-Tax Ending Balance
After-Tax Ending Balance
Taxable Ending Balance
Taxable Ending Balance
Virtual Account Ending Balance
Home Sale to Taxable Investments
QLAC Rollover
Year End
Investment Property Report
Age
Partner
Investment Property
PROPERTY
TAX BASIS
Rent Received
Property Sale
Total Annual Income
Depreciation
Loan Interest
Property Taxes
Property Insurance
HOA Fees
Repairs & Maintenance
Other Costs
Realtor Commission
Seller's Closing Costs
Total Annual Costs
Total Net Profit (Loss)
All Properties Profit (Loss)
CASH BASIS
Rent Received
Property Sale
Total Annual Income
Principal Paid
Loan Interest
Property Taxes
Property Insurance
HOA Fees
Repairs & Maintenance
Other Costs
Realtor Commission
Seller's Closing Costs
Total Annual Costs
Total Net Profit (Loss)
All Properties Profit (Loss)
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