πŸ› οΈ Tools & Guides8 min read

RetirePro's Advanced Tools and AI Advisor

Explore RetirePro's premium features: What-If scenarios, Roth conversion calculator, 72t SEPP, Rent vs Buy, Sankey charts, and AI retirement advisor.

By RetirePro Teamβ€’

RetirePro's Advanced Tools and AI Advisor

You've entered your finances, tracked your net worth, and run your retirement projections. Now it's time to take your planning to the next level with RetirePro's most powerful features.

In this guide, we'll explore the Charts, Analysis, Advanced, Legal, and AI Advisor tabsβ€”the tools that turn good retirement plans into great ones.

Charts Tab: Visualize Your Financial Future

Numbers tell part of the story. Visualization tells the rest. The Charts tab transforms your data into actionable insights.

Portfolio Growth Chart

Watch your savings grow from today through life expectancy:

  • Accumulation Phase: See contributions and growth compound
  • Retirement Phase: Visualize withdrawals and depletion
  • Three Scenarios: Overlay expected, optimistic, and pessimistic cases
  • Retirement Marker: Clear line showing when you stop working

Income Sources Breakdown

A dynamic pie chart showing where retirement income comes from:

  • Social Security (yours and spouse)
  • Pension income
  • Portfolio withdrawals
  • RMDs (Required Minimum Distributions)
  • Other income sources

Sankey Flow Diagrams

One of RetirePro's most unique features! Sankey diagrams visualize how money flows through your retirement:

Income Sources β†’ Living Expenses β†’ Savings/Remainder
     ↓                  ↓                ↓
Social Security    Housing          Portfolio Growth
Pension           Healthcare        Emergency Fund
Withdrawals       Travel           Inheritance

Customize Your Sankey:

  • 5 color themes (Classic, Neon, Ocean, Sunset, Forest)
  • 5 layout options (Traditional, Standard, Compact, Detailed, Wide)
  • Toggle between D3.js and Recharts rendering

Asset Allocation

Pie chart showing your portfolio breakdown:

  • Pre-tax accounts
  • Roth accounts
  • Taxable brokerage
  • Real estate equity
  • Other assets

Analysis Tab: Test Every Strategy

The Analysis tab is where RetirePro becomes a financial laboratory. Test hypothetical scenarios without affecting your main plan.

What-If Scenario Analysis

Adjust dozens of variables and see instant results:

Retirement Timing:

  • Retire earlier or later (-5 to +10 years)
  • Work part-time in early retirement
  • Phase into retirement gradually

Expense Adjustments:

  • What if expenses are 20% higher?
  • What if you relocate to a lower-cost area?
  • Healthcare cost increases in later years

Social Security Optimization:

  • Test claiming at 62, 67, or 70
  • Compare spousal benefit strategies
  • Model survivor benefits

Savings Scenarios:

  • Add extra monthly savings
  • Max out catch-up contributions
  • Increase employer match assumptions

Investment Returns:

  • Model different return expectations
  • Test sequence of returns risk
  • Compare conservative vs. aggressive allocations

Withdrawal Strategies:

  • Adjust withdrawal rate (3% vs 4% vs 5%)
  • Model bucket strategy
  • Test Roth conversion ladders

Break-Even Analysis

For major decisions, find the break-even point:

  • "At what age does delaying Social Security pay off?"
  • "How many years until Roth conversions save money?"
  • "When does buying beat renting?"

Sensitivity Testing

See how your plan responds to:

  • Market crashes in early retirement
  • Higher-than-expected inflation
  • Longer life expectancy
  • Healthcare emergencies

Advanced Tab: Specialized Calculators

The Advanced tab contains specialized calculators for specific financial decisions.

🏠 Rent vs. Buy Calculator

The classic dilemma, solved with math:

Inputs:

  • Home price and down payment
  • Mortgage rate and term
  • Property taxes and insurance
  • Monthly rent and annual increases
  • Home appreciation rate
  • Investment returns (if renting)
  • Time horizon

Outputs:

  • Net cost of buying vs. renting
  • Break-even year
  • Total wealth comparison
  • Interactive year-by-year chart

πŸ“Š 72(t) SEPP Calculator

Need retirement funds before 59Β½? Calculate Substantially Equal Periodic Payments to avoid the 10% penalty:

  • Three IRS-approved methods
  • Life expectancy factors
  • Annual payment amounts
  • 5-year or age-59Β½ commitment

πŸ”„ Roth Conversion Planner

Model multi-year Roth conversion strategies:

  • Current vs. future tax brackets
  • Medicare IRMAA impact
  • Social Security taxation
  • Optimal conversion amounts

πŸ’° Gold & Silver Calculator

Precious metals as portfolio insurance:

  • Current spot prices (auto-updated)
  • Physical vs. ETF holdings
  • Storage and insurance costs
  • Portfolio allocation percentage

🏦 Reverse Mortgage Analyzer

For those considering home equity:

  • HECM loan estimates
  • Tenure vs. lump sum vs. line of credit
  • Impact on estate value
  • Break-even analysis

πŸ“‹ Required Minimum Distribution (RMD) Calculator

Project your RMDs from age 73+:

  • Uniform Lifetime Table
  • Year-by-year projections
  • Tax impact estimates
  • Qualified Charitable Distribution (QCD) options

Legal Tab: Estate Planning Essentials

A retirement plan isn't complete without addressing what happens to your assets. The Legal tab helps you organize critical information.

Executor Information

  • Primary executor name and contact
  • Backup executor details
  • Attorney information

Beneficiary Designations

Track beneficiaries across all accounts:

  • 401(k) beneficiaries
  • IRA beneficiaries
  • Life insurance beneficiaries
  • Percentage allocations

Important Documents

Record locations of:

  • Will and trust documents
  • Power of Attorney
  • Healthcare proxy/living will
  • Insurance policies

Key Contacts

Store critical contacts:

  • Estate attorney
  • CPA/tax advisor
  • Financial advisor
  • Insurance agent

Estate Tax Calculator

Estimate potential estate taxes:

  • Federal exemption ($13.61M in 2024)
  • State estate tax (if applicable)
  • Net estate to heirs

Printable Summary

Generate a one-page legal summary to share with family members or store with important documents.

AI Advisor Tab: Your Personal Financial Advisor

The AI Advisor is RetirePro's most innovative featureβ€”a Grok-powered assistant that understands your complete financial picture.

How It Works

When you open the AI tab, it already knows:

  • Your age and retirement timeline
  • All account balances and contributions
  • Social Security benefits
  • Net worth details
  • Budget and cash flow
  • Tax situation
  • Legal arrangements

Ask Anything

Get personalized answers to questions like:

  • "Should I delay Social Security to age 70?"
  • "How much should I convert to Roth this year?"
  • "Is my savings rate high enough?"
  • "What's my optimal withdrawal strategy?"
  • "How does my plan compare to typical retirees?"

Sample Conversations

You: "I'm worried about healthcare costs in retirement."

AI Advisor: "Based on your profile, here's what I see:

  1. You're retiring at 62 but Medicare doesn't start until 65β€”that's 3 years of private insurance.
  2. At your income level, an ACA plan would cost approximately $1,200/month.
  3. Once on Medicare, expect premiums of $175/month plus supplemental coverage.
  4. I recommend budgeting $10,000/year for healthcare before 65 and $6,000/year after. Your current plan allocates $5,000/yearβ€”consider increasing this."

You: "Should I pay off my mortgage before retiring?"

AI Advisor: "Let's look at your numbers:

  • Mortgage balance: $180,000
  • Interest rate: 3.5%
  • Monthly payment: $1,100
  • Portfolio return assumption: 7%

Mathematically, investing beats paying off a 3.5% mortgage. However, having no mortgage payment in retirement reduces your required withdrawal by $13,200/year. This improves your success rate from 87% to 94%. For psychological peace of mind, paying it off may be worth it for you."

Why AI Matters

A human financial advisor costs $200-400/hour. RetirePro's AI Advisor:

  • Knows your complete financial picture
  • Provides instant responses
  • Available 24/7
  • Included with Premium ($19/month)

Details Tab: Year-by-Year Transparency

The Details tab shows exactly what happens each year from now until life expectancy:

YearAgePhasePortfolioContributionsGrowthWithdrawalsSSTaxesEnd Balance
202645Accumulation$500,000$30,000$35,000$0$0$0$565,000
..............................
204665Retirement$1,800,000$0$90,000-$60,000$30,000-$8,000$1,852,000

Column Guide

  • Phase: Accumulation (saving) or Retirement (drawing)
  • Growth: Investment returns for the year
  • Withdrawals: Money taken from portfolio
  • SS: Social Security income
  • Taxes: Estimated tax on withdrawals

Export to CSV

Download your complete projection for use in spreadsheets or sharing with advisors.

Putting It All Together

RetirePro's 16 tabs work as an integrated system:

  1. Your Finances β†’ Enter all accounts
  2. Social Security β†’ Optimize claiming strategy
  3. Budget β†’ Track income and expenses
  4. Net Worth β†’ See total wealth picture
  5. Tax Planning β†’ Understand tax implications
  6. Mortgage β†’ Plan property strategy
  7. Results β†’ See Monte Carlo success rate
  8. Charts β†’ Visualize projections
  9. Analysis β†’ Test what-if scenarios
  10. Details β†’ View year-by-year breakdown
  11. Advanced β†’ Use specialized calculators
  12. Legal β†’ Organize estate planning
  13. AI Advisor β†’ Get personalized guidance
  14. Settings β†’ Customize your experience
  15. Overview β†’ Dashboard summary
  16. Help β†’ Documentation and support

Premium Features Worth Every Penny

RetirePro Premium ($19/month) unlocks:

  • βœ… All Charts and Visualizations
  • βœ… What-If Analysis
  • βœ… Advanced Calculators
  • βœ… Legal Planning Tools
  • βœ… AI Advisor (unlimited questions)
  • βœ… Priority support

That's less than $0.65/day for professional-grade retirement planning.

Start Your Journey Today

Whether you're 25 or 65, it's never too early or too late to take control of your retirement.

Try RetirePro Free β†’

Start with our free tier, explore your numbers, and upgrade when you're ready for deeper insights.


RetirePro combines sophisticated financial modeling with user-friendly design. For complex situations involving taxes, estates, or specific investment advice, please consult qualified professionals.

Ready to plan your retirement?

Use RetirePro's free calculators to model your retirement income.

Start Free Plan β†’
Tags:AI advisorretirement calculatorsRoth conversion72t SEPPwhat-if analysisfinancial planning

Related Articles