How do I add my spouse's accounts and Social Security to our retirement plan?

You can model both your and your spouse's finances together in the Retirement planner.

Add your spouse's accounts to Net Worth. Open Net Worth and add them the same way you added yours - connect their brokerage by searching the institution search box, upload a recent statement (PDF, screenshot, Excel, or CSV), or enter holdings manually. All connected accounts aggregate automatically into your combined retirement projections.

Include your spouse in the retirement model:

Open the Retirement planner - People tab.
Under Spouse / partner, toggle Include separately? to Yes.
Enter your spouse's current age, retirement age, life expectancy, Social Security benefit, and Social Security start age.

Each of you can configure your Social Security with its own start age - useful for modeling claim-timing trade-offs (one of you claims at 62, the other at 70, and so on). If you don't have the exact benefit amount, use the SSA quick calculator to estimate it.

Last updated on

May 28, 2026

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1. As of May 26, 2026
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2. As of May 26, 2026
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3. $40B+ Assets on Platform as of May 26, 2025. Aggregated across all plans (including the free plan). Assets on Platform represent the total value of connected and manually inputted accounts (including assets like real estate and private equity) and does not in any way represent Asset Under Management as Global Predictions does not manage any client funds.

4. Global Predictions Secures a Winning Spot in International M6 Financial Forecasting Competition

5. Comparison made to an individual with $1M AUM, paying an "average wealth manager fee" of 1.04% based on publicly available McKinsey / PriceMetrix industry data. 1.04% * 1M = $10,400 per annum. PortfolioPilot Annual Gold pricing is $20/mo * 12mo = $240 per annum. 240/10,400 – 1 = ~98% lower. Actual fees paid to any individual financial advisor will depend on specific financial circumstances and arrangements.

7. The 1.94% referenced figure represents the average calculated monthly continuous tax-loss harvesting gain over a 4-year period from 2018-2021 in the 2024-published JP Morgan report titled "Continuous tax-loss harvesting yields more potential for tax savings" (link).

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10. This analysis is based on data from publicly available reports, academic studies, and articles. Sources include Mullainathan et al. (2012): Study highlighting biases in financial advice and its misalignment with client interests; Morningstar (2024): Report on typical update frequencies from financial advisors; Bodnaruk and Simonov (2014): Research on the limited impact of financial expertise on investment outcomes; Financhill: Insights on hidden fees in financial advising, including expense ratios and transaction costs, as noted by Warren Buffett; Foerster et al. (2014): Study on the costs of financial advice, including average AUM fees of 2.43%.

11. $93M number calculated as 2025 YTD TLH savings study conducted across 24,115 PortfolioPilot users on November 14, 2025.

12. Based on assumptions and projections that may not reflect actual outcomes.