A what-if scenario is a copy of your retirement plan with one or more changes, so you can see the effect before you decide.
PortfolioPilot suggests scenarios for you, lets you build your own or describe one to generate with AI, and compares each with your base plan. Included in the Free plan.
An illustrative comparison for a hypothetical plan. Switch between the base plan and two what-if scenarios.
Illustrative what-if scenarios for a hypothetical plan: the base plan, retiring at 70 and spending $500 less a month, with the chance of success of each.
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.
Open Plan, then Retirement planning. Enter your ages, monthly budget and Social Security, or keep the defaults.
Start from Suggested for you, choose Build manually, or use Generate with AI.
See the change in chance of success, save the scenario, or go back to the base scenario.
A library of scenarios, grouped by topic, from retirement timing to big purchases.
Retire a year or two later, or earlier, and see what it does to your plan.
Spend less each month, or turn on Max out yearly Roth contribution.
Claim later for a larger benefit, one of the suggested scenarios.
Let spending adjust to markets and compare it with fixed spending.
Your chance of not running out of money, from 1,000 simulations.
Home purchases, care costs, windfalls and more in your plan.
Spending that adjusts when markets move a lot.
Tests claiming ages and shows the best one it found.
Add your accounts and set up your plan. What-if scenarios are included in the Free plan.
Get startedShort answers here, with a link to the full help center article where one exists.
Create a what-if scenario with a later retirement age and compare it with your base plan. Read more in the Help Center →
Each scenario is simulated like your base plan, with 1,000 simulations. Read more in the Help Center →
Yes. Saved scenarios stay in your plan, and you can go back to the base scenario at any time.
No. A what-if scenario is a copy. Your base plan only changes if you edit it.
Yes. They are included in the Free plan.
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Note: our use of the term AI refers to all artificial intelligence models used including large language models, proprietary economic models that incorporate regression or dynamic factors, and machine learning methods like supervised learning.
