Named plans, side by side

The biggest retirement questions aren't single levers — they're whole alternative futures. Retire at 62 or push to 65? Keep the house or sell it? Take the pension as a lump sum or an annuity? Named plans let you keep each version of your future as its own complete plan and put them side by side, so the decision gets made with numbers instead of a feeling.

Saving more than one plan is a premium feature.

Creating and switching plans

The Plan bar sits just above the tabs, on every tab:

• + New copy saves a copy of your current plan under a new name and switches to it. Start from the plan you've already built, then change the one thing the new plan is about — a different retirement month, a house sale, a smaller budget.
• Click any plan's chip to switch to it. Everything in the app — the charts, the month detail, the editors, the stress tests — always shows the plan you've selected.
• Rename and Delete act on the plan you're viewing. Deleting is permanent, and you always keep at least one plan.

You can save up to five plans. Each one is complete and independent: its own people, income streams, expenses, accounts, and assumptions. Editing one never touches another.

The comparison

Once you have two or more plans, Compare your plans appears on the Forecast tab with every saved plan in one table:

• Money runs out — each plan's run-out month and your age when it happens, or "Lasts through the plan".
• Ending balance — what's left at the end of each plan's horizon.
• vs. current plan — how much better or worse each alternative ends up than the plan you're viewing right now.
• Odds of success — press Run the odds for each plan and every plan gets the same Monte Carlo treatment: 500 randomized market-and-lifespan simulations, so you can compare plans on their odds, not just their averages. A plan that ends with less money but higher odds is often the better plan.

Below the table, one chart overlays every plan's projected total savings year by year, so you can see when the futures separate — not just where they end.

Reading the comparison honestly

• Each plan runs on its own assumptions. If one plan assumes 6% returns and another 4%, the comparison reflects both choices — which is only fair if you meant them to differ. For a clean apples-to-apples answer, change one thing at a time.
• The deltas compare ending balances, but don't stop there: a plan that runs out at 89 with high spending may still beat one that "lasts" by assuming a retirement you wouldn't enjoy. The run-out row and the odds row matter more than the ending-balance row for most decisions.
• As always: estimates for comparison, not advice.

Where this differs from what-if levers

What-if levers are one-click previews of a single change — nothing is saved. Named plans are for the alternatives you're seriously weighing: they persist, you can refine each one over time, and every stress test can be run on whichever plan you select.