What MangoDime does
The estimate and your full plan are free, and they stay free. Plus adds most of the tools that show what each choice is worth in dollars. It's $100 a year.
Where do I stand?
FreeEnter five numbers, with no login, and see your monthly spending next to the monthly income your retirement can support.
FreeAdd your accounts, Social Security, your partner/spouse, your home and your insurance. The plan recalculates as you go.
FreeYour sustainable monthly income, the chance your money lasts, and a chart of your savings year by year.
PlusYour income, taxes and each account's balance, charted year by year.
PlusEvery number behind your plan, one row per year, so you can check the math.
What are my choices?
PlusThe account you take money from first (cash, taxable, Traditional, Roth or HSA) changes how much tax you pay over your whole retirement.
FreeWhen you start Social Security, and when your spouse does if you're married, sets your monthly benefits for life. This checks each combination of claiming ages.
PlusHow much you convert from Traditional to Roth, and when, changes your lifetime tax bill, your required minimum distributions (RMDs) and what's left for your heirs. You can rank the strategies by income, lifetime tax or what's left to heirs.
PlusMove your 401(k), 403(b), 457 or TSP contributions between pre-tax and Roth, and see the tax now and in each year of retirement on your plan.
Sell in retirement: rent or downsizeIf you own a home
PlusSee what selling your home after you retire does to your plan, whether you rent afterward or buy something smaller.
Move to a new homeIf you own a home or other property
PlusBuy a new home now and see what selling, renting out or keeping each of your properties does to your plan.
Pay off the mortgage, or keep investingIf you have a mortgage
PlusKeep the schedule, pay extra each month, pay it off at retirement, or pay it off now, ranked on your plan.
PlusEach main input, such as your retirement age, returns and inflation, moved up and down a little and sorted by how much it changes your sustainable monthly income.
PlusPick how much to hold in stocks after you retire, and see what starting the move toward it at different ages does to your plan.
PlusPut a real market crash (2008, the dot-com bust, 2022's rate shock) in your first year of retirement and see what it does to your plan, with every other year held steady.
Survivor scenarioIf you're married
PlusSee what happens to your plan if one spouse passes away early. You choose which spouse and at what age.
FreeHow many changes we found, and the biggest one.
PlusEach change we find in your plan, with what it adds to your sustainable monthly income, biggest first.
Will I hear when something changes?
FreeAn email in any month there's something new in your plan, with where it stands and any balance that needs updating.
FreeWhen something shifts your numbers, like a new tax year, we email you what changed.
PlusThe same email, with what it means for your plan in dollars.
Can we plan as a couple?
PlusYour partner/spouse gets their own login to the same plan, and both of you get the plan's emails.
Can I ask about my plan?
FreeAsk a question about your plan and get an answer that uses your numbers.
FreeSend us a what-if about your plan, and we'll work it out with the same math the app uses.
What we're working on
- Compare investment strategies. See different ways of investing side by side on your plan, each with your sustainable monthly income and the chance your money lasts. A bucket strategy keeps two years of spending in cash and the next five in bonds, with the rest in stocks. You spend from the cash. After a good year for stocks, some stocks are sold to refill the cash and bonds. After a bad year, bonds refill the cash, and stocks are sold only if the cash and bonds have both run out. A barbell keeps 80% in cash earning short-term interest rates and 20% in stocks, with no bonds. A fixed mix keeps the same share in stocks and bonds every year, such as 60% stocks and 40% bonds. You'll also be able to pick an age to switch from one strategy to another.
Plus is $100 a year. Founding members get MangoDime Plus free for a year. 20 of 20 spots left.
General information, not investment, tax or legal advice.