A calculator,
not an adviser.

Not investment advice

Years Ahead is not a registered investment adviser, a broker-dealer, a bank, an insurance producer, an accountant, or a financial planner, and it is not acting in a fiduciary capacity for you. Nothing it shows is a recommendation to buy, sell or hold any security, to move money between accounts, to claim a benefit at a particular age, or to take any other financial action. Nothing it shows is individualized legal, tax, accounting or medical advice.

What it does instead is education: you supply assumptions, a deterministic and unit-tested engine computes the consequence of those assumptions, and the app explains what the computation did. When the app offers a lever — spend less, save more, delay a claim — it is showing the computed consequence of a scenario you chose, not suggesting you choose it. Decisions about your money remain yours, and a professional who knows your full situation is the right person to check them with.

When your stated retirement goal is earlier than the projection supports, the app also works out, one at a time, the retirement spending or yearly saving that would reach it in the projection, and lists them in a fixed order without ranking them. That is a computed consequence of your stated goal, not a suggestion to make either change.

Projections are modelled, not promised

Every date and range comes from a simulation of possible futures under your stated assumptions. A simulated success rate is a property of the model, not a probability about your life, and past market behaviour does not constrain future behaviour. No result is a guarantee, a forecast, or a commitment by anyone.

What the current model leaves out

The preview's projection engine is explicitly parametric. It uses simplified investment return assumptions, a fixed planning horizon, and spending you enter as a single figure that you are expected to state inclusive of income taxes and healthcare costs. Lifetime tax and healthcare modelling, full joint-life and mortality modelling, and independent statistical validation of the peer estimates are release requirements that have not been met. The retirement projection uses your balances, savings, spending, benefits and investment mix, under the model's stated assumptions. It is not a promise. The separate comparison with households in the Federal Reserve's 2022 Survey of Consumer Finances is context about other households and does not say whether you can retire.

Peer comparisons carry selection bias

Comparisons against the general population are computed from the Federal Reserve's published Survey of Consumer Finances and inherit that survey's design and limitations. Comparisons against other Years Ahead users describe the people who chose to use this app and chose to share — a self-selected group that is not representative of anyone else. The two benchmarks frequently disagree, which is the normal case, not an error.

The name is not cleared, and is not claimed

“Years Ahead” is the working name of this project. No trademark search has been run — not with the USPTO, not in any other register — so nothing here asserts an exclusive right to the words, and no mark on this site is registered.

Two unrelated services already use the same name, and neither is connected to this project in any way. The site at yearsahead.app is a pre-launch connection app for adults 50 and older; yearsahead.com is “Years Ahead”, a senior-care and senior-housing service operated by Sittercity. Checked 12 September 2026. This project is not affiliated with, endorsed by, or acting for either of them, and any other trade name or mark mentioned anywhere on this site belongs to its owner.

Because the clearance work is outstanding, the name may change before any public release, and nothing on this site should be read as a claim to it.

Using the preview

The preview is provided as-is, without warranty, for evaluation. It may change, break, or be withdrawn without notice, and no availability or support commitment is offered. Do not rely on it as a system of record; export anything you want to keep. You agree not to misuse the service, to attempt to reach another household's data, or to present its output as professional advice to anyone else.

Chat and optional Pro

The initial Free allowance is three successful AI replies per UTC calendar month. Pro allows up to 100 per month. Reading history does not use replies, failed requests do not use a successful reply, and unused replies do not carry over. AI availability also depends on service limits and the provider. These features are being tested internally; this website does not offer a purchase or public sign-up.

The planned US Pro prices are $7.99 per month or $59.99 per year, charged through Apple when offered in the app. The purchase screen displays the applicable price and period. Subscriptions renew automatically unless cancelled through your Apple account before renewal. Manage cancellation, refunds and billing through Apple. Cancelling stops future renewals; verified access continues until the paid period ends unless Apple revokes it.

Free includes your projection, date, balance comparisons, an unsaved spending preview and two measured Moves per UTC calendar month. Pro adds saving and investment-mix controls, keeping an adjusted plan, editable assumptions, the full calculation when you save, and unlimited measured Moves. The one-time reading is no longer offered; an existing reading retains its original saving, mix and local plan unlocks.

Chat is educational. It can explain your saved facts and a scenario you select, but it cannot choose an investment, make a trade, or decide whether you should retire. Financial values come from your inputs, the tested engine or sourced survey data.

Questions

Write to support@yearsahead.si.

See the privacy policy for what is collected and how to delete it.