How MangoDime works
MangoDime shows whether your retirement paycheck — the amount your savings can safely produce each month — covers what you spend. You get a number in about a minute with no account, then sharpen it as much as you like.
Step 1
See your number
Enter five things on the home page: your age, when you want to retire, what you've saved, what you add each month, and what you spend. You'll see what you spend next to what you'd have in retirement, and the gap between them. No login, nothing saved.
Step 2
Save it and sharpen it
Save with your email — one link, no password. Then add your real accounts, Social Security, your partner, your home, and what you actually spend. Every number you add recalculates the plan. Nothing is required; the plan uses what it has.
Step 3
Compare your choices
The Compare tools rank the options you control — which account to draw from first, when to claim Social Security, whether converting to Roth in your gap years ranks higher — against your own plan. They show what each option produces for you; they don't tell you which to pick.
Step 4
Keep it honest
Come back after a raise, a market move, or once a quarter. Your dashboard shows where the plan stands; the tools re-rank as your numbers change.
Frequently asked questions
Is it free?
Yes. The estimate, the full plan, the dashboard, and the Compare tools are free today. A Plus tier is planned; you'll see locked previews of it in your plan and can ask to be notified.
Do I need to link my bank?
No, and you can't — MangoDime has no bank linking. Every number is one you enter. See our comparison of retirement calculators for how that trade-off actually plays out elsewhere.
What does "90% odds of lasting to 95" mean?
Your paycheck is the highest monthly amount that lasted through age 95 in 90% of 5,000 simulated retirements built from real market history. See what "chance of success" means.
Why is everything "in today's dollars"?
So the numbers mean what they'd mean now. The simulation removes inflation before it compounds anything, so a $4,100 paycheck buys what $4,100 buys today.
Why not just use a spreadsheet?
A spreadsheet uses one average return. MangoDime runs your plan through 5,000 different sequences of real historical years, which is how it catches the risk of a bad stretch early in retirement.
How is this different from a financial advisor?
MangoDime is planning software. It shows and ranks; it doesn't advise, manage money, or sell products. For a decision, talk to a fiduciary professional.
Can my spouse or partner be in the plan?
Yes. Choose "married filing jointly" and the plan models both of you — separate Social Security, separate required distributions, and a survivor view.
What isn't modeled?
Annuities, true spousal Social Security benefits, downsizing, estate tax, and a few other things. We keep a plain list, and update it with every release.
What happens to my data?
With no account, nothing is stored. With an account, your email and the figures you enter are stored, and you can delete everything from the Account page. See our privacy page.
How do I get help?
Some fields already explain why we ask for them, with more on the way, and you can always email us.
Want the exact mechanics? Read how MangoDime calculates →