Retirement planning for couples means one plan that follows two people: two retirement ages, two Social Security benefits and two life expectancies.
In PortfolioPilot you add your spouse under People, and the planner models both of you, including the change to single tax filing after the first spouse passes away. Included in the Free plan.
An illustrative comparison for a hypothetical couple. Switch between one household and the spouse included separately.
Illustrative comparison of a couple's retirement plan as one household and with the spouse included separately, including the year the plan switches to single filing.
The portfolio is hypothetical, and all figures are for demonstrative purposes only. Nothing shown is a recommendation to buy or sell any security.
Three steps from your accounts to the answer.
Connect brokerages, 401(k)s and IRAs from 12,000+ institutions, upload a statement, or enter holdings by hand.
Under People, set Include separately? to Yes and fill in your spouse's details.
The projection follows both of you, and the year-by-year table notes each change.
Six fields, all under People.
Spouse current age and spouse retirement age.
Spouse life expectancy, which sets when the plan switches to single filing.
Spouse Social Security benefits and spouse SS start age.
Spouse share of household income.
Tests claiming ages and shows the best one it found.
Your chance of not running out of money, from 1,000 simulations.
Home purchases, care costs, windfalls and more in your plan.
Retire later, spend less, and compare with your base plan.
Add both of your accounts and set up your plan. Planning for couples is included in the Free plan.
Get startedShort answers here, with a link to the full help center article where one exists.
Under People, set Include separately? to Yes and add your spouse's details. Read more in the Help Center →
Connect their accounts and enter their benefit and start age. Read more in the Help Center →
Yes. After the first spouse's life expectancy, the plan switches to single tax filing.
Yes. The Social Security optimizer, part of Platinum, tests both of your claiming ages.
Yes. Spouse details in the retirement planner are included in the Free plan.
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