You might try YNAB (you need a budget). I don’t use it myself but I know it’s likely one of the best budgeting apps out there. It’s not free but there may be a free trial.

You could also try Roi (getroi app) to keep track of your overall net worth, asset allocation, spending, etc. across different retirement/brokerage/savings accounts, IRAs, loans and credit cards. I personally prefer my own spreadsheet (more accurate and more customizable), but at least Empower is free and pretty well designed overall. It also has a few long-run projection functionalities.

Where do you bank or invest? Almost everyone offers some free advice and apps now for engagement if they have your money.

Have you looked into Monarch? This seems to be their niche.

fine

Wealth Position is good for organising all your finances, incomes, expenses, assets, and liability to see a good picture for short and long term forecasting and planning finances.

A wife.

Try WealthPosition really good for customized dashboard, short and long term finance planning, customizing to your own requirement, budget planning, managing multiple accounts, and tracking all incomes, expense, assets, liability from one place and see financial picture now and into the future up to retirement and beyond in one or multiple currency, and works any where in the world.

I'm a financial planner and I have an incredible tool.

Have you looked at the “tools” In your 401k account? I’m with Fidelity and they have a list. Also, if your company has this as there “benefit “ you might have a complimentary consultation with a Fiduciary assigned to your 401k.

Increase your contribution % by atleast 50% of each raise and you'll be off to the raises. Has worked well for me. Trim where you can budget wise.

Grok is your friend

I use WealthTrace for all my retirement planning (financial); works well for me. This is a paid application ($200+/year) but worth it for me; it has given me so much insight and more importantly peace of mind. There’s other tools like this out there (Boldln etc) but this one happens to work fine for me

This Google Sheet that someone put together and posted in r/financialindependence is what I use.

https://www.reddit.com/r/financialindependence/comments/rwq9qw/i_made_a_new_and_improved_advanced/

Look at the Retiree Portfolio Model spreadsheet: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=97352

There is a learning curve, so make sure to read the posts in the forum and all the embedded notes in the spreadsheet itself. For me it took throwing some numbers into it and watching how the outputs changed, then re-reading the notes and instructions to better understand what was going on and how to input data correctly as well as how to use the Detail worksheets to get into fine tuning.

I've tried a few: Personal Capital, OnTrajectory, New Retirement. My current favorite for long-term planning is ProjectionLab. Great UI and very customizable.

The closest thing I found is Nudge. Apparently their assumptions are researched by professionals. I got a lot of charts and a full report for free.

Google sheets

Not sure if there is any one tool that will meet all of anyone's needs but this thread from r/financialindependence has a great detailed list

https://www.reddit.com/r/financialindependence/comments/rtmupf/fire_calculators_that_do_different_and/?utm_source=share&utm_medium=android_app&utm_name=androidcss&utm_term=1&utm_content=share_button

After years of doing this, I have found Personal Capital's Retirement Calculator as the best tool for this purpose. Even got me to stop using my excel sheet developed over many years.

Excel or google sheets

Congrats on taking the leap to manage it on your own. It's tough at first, but once you have it set up, it will be manageable. The hardest part is getting a really good handle on your future expenses, such as health care, living expense changes and inflation, vehicle depreciation, and more. Here's a few method that I tried...

1. FireCalc - Everyone starts off here, which will do reasonably well to get a sense of where you stand. I'm not a fan of the functionality of the tools because it doesn't allow you to detail your goals and inflation rates.

2. Excel or Google Sheets - This is great if you can include monte carlos and effectively cashflow your various inflation rates. I haven't found a good template online, so I created a reasonable one on my own. It requires a lot of updating.

3. Nudge - I moved over to this about 6 months ago and it's currently my favorite. It will walk you through each of your goals and have well-researched assumptions, or you can update your own ROI and other details. They just added new features to track your budgets and get alerts. You can't add your wife, but you might send them a message and request the feature. They have been enhancing regularly.

4. ProjectionLab - I used this for a little while, but it's the same problems that FireCalc has. You need to do your own research and model various different possibilities with your cash flows, inflation, market returns, etc.

Best of luck!

hahah, I think Jeff will be just fine. It says his firm has 14 Billion AUM

Says min account is $5M, so maybe OP should be in /r/fatfire

You might start by looking at the wiki. It lists several.

If you have a 401k or account with a major broker, you might look at the tools they provide.

I've used Empower and Wealthfront free versions and found both of them easy to use and insightful, especially if this is your first stab at it. Recently I began giving NewRetirement a spin and the paid version of that is okay too, but I woudl not bother with their free version.

Nobody is a fan of it but if you happen to use quicken their lifetime planning tool is a big help. It knows everything about your finances already and you plug in different key events so you can see the impact.

Retirement planning is more about your expenses than anything else. It’s the only thing you can control!

Newretirement.com It’s free but for small fee sign up fir the extras it includes. I think it’s as good as it gets.

EMPower or other free stress testers that exist.

Something that doesn’t have plaid connections but has spreadsheet drag and drop feature. Requires more work, but one less cyber risk. One place with a bunch of dashboards for; -high level budget

• monthly cash flow
• investment balances
• investment return projections
• net worth split between liquid and total
• future net worth with simulations

Microsoft money sunset edition. Old but still works fine and let’s you easily do reports and deep dives. (Also free)

Kubera but with asset allocation modeling and montecarlo simulations

And forget budgeting nonsense we here to make money not count coffees

I’m in for beta testing! Definitely something with a lot of dashboards and ways u can export all ur transactions/investments in one place. Ideally one that can handle both traditional accounts and crypto api which personal capital doesn’t have right now

I really like Portfolio Performance.

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But it's neither an app, nor suitable to manage a budget. It's for managing your investments. It can produce nice graphs and performance measurements, manage asset allocation and re-allocation, etc.

Personal capital has planning tool.

I was able to get most of this on Nudge. The initial results are rather basic, but once they upload your plan, then you can adjust all those yourself. Apparently the software they use on the back end is the same that financial planners use.

My favorite is this one: https://engaging-data.com/fire-calculator/

In conjunction with this one: https://engaging-data.com/will-money-last-retire-early/

Ultimately, building your own spreadsheets is the best solution, especially for someone like the OP who has many different accounts (I can relate).

For example, I could not model my optimal (tax-optimized) withdrawal strategy without building a huge spreadsheet that incorporated several different retirement accounts and listed each year of retirement.

A problem with other people's tools is you are shackled to their assumptions. Some calculators, for example, assume the future will be just like the past. To many of us, such an assumption sounds like a basis for poor retirement planning.

Build your own spreadsheets, and you are in full control.

>logged into this and there is next to nothing. Most of the pages say the tool is coming. Do you have to have a meeting with the advisor to get the report you speak of?

Have you looked at FIRECalc?

More specifically, my wife and I are thinking to upgrade to a new house, but aren’t sure how much of our net worth to put towards it (or what is the proper distribution of asset classes and budget should be, based on income, current interest/mortgage rates, etc., etc.).

Most of this is covered in "prime directive".

https://www.reddit.com//r/personalfinance/wiki/commontopics

Insofar as upgrading to a new house, IMHO there are two parts to the decision, personal and financial.

The personal part is, well, how important is this house to you? Is it something you can see becoming a generational thing? Or is it just something you'll hold while you're in town? Questions like this will inform the financial part.

The more important the house will be to you and the longer you see yourself staying in it, the more you can see yourself justifying sinking a good wad into it. Exactly how much will differ for every person. For many, many people, their house is their most prized asset in their portfolio and a key component to a comfortable retirement.

Generally speaking, you'll want to increase your emergency fund before you purchase and also set aside another fund for maintenance so that you won't get caught flat footed if the market does something you don't like, around 5-10% of structure value.

No matter what you do, make sure that the home purchase does not side track your other savings goals. If it does, likely it will be because you couldn't afford the house in the first place.

There are so many aspects to preparing for saving and retirement planning: investing, asset allocation, insurance needs, estate planning, medical coverage, tax planning. What helped me is an eye towards retirement and knowing if I had all my ducks in a row. These books were very helpful:

• How To Make Your Money Last by Jane Bryant Quinn
• Retire Before Mom and Dad by Rob Berger
• The Five Years Before You Retire by Emily Guy Birken
• How To Plan for the Perfect Retirement by Dana Anspach (The Great Courses)
• Retirement Planning Guidebook by Wade Pfau
• Retirement Planning for Dummies by Matthew Krantz
• The New Retirement Savings Time Bomb by Ed Slott
• The Bogleheads’ Guide To Retirement Planning by Taylor Larimore et al
• Living Off Your Money by Michael McClung

As far was investing and asset allocation I found these the most beneficial:

• The Simple Path To Wealth by JL Collins LINK
• The Little Book of Common Sense Investing by John “Jack” Bogle LINK 2017 Hardback version
• Winning the Loser’s Game by Charles Ellis LINK
• The Bogleheads’ Guide To Investing by Mel Lindauer, Taylor Larimore, Michael LeBoeuf LINK available free here – this is the 2006 first edition
• A Random Walk Down Wall Street by Burton Malkiel LINK
• The Millionaire Next Door by Thomas Stanley LINK
• The Psychology of Money by Morgan Housel LINK