Plan so your money lasts to 99 and beyond.
Aim For 99 means one thing: setting up a plan so your money lasts to age 99, and hopefully beyond.
We give you the same kind of retirement projection a certified financial planner would run: clear numbers, year by year views, and tools to compare scenarios and stress test your plan so you know where you stand.
Reduce anxiety and grow confidence by knowing what your future could look like and how to get there.
We believe retirement planning is important and should be available to everyone without paying a fortune. We’ve created Aim For 99 and offer it to all for free. If you like it, you can thank us by sending a donation.
What is Aim For 99?
It’s a simple idea: set up a plan and aim for your money to last to age 99, and hopefully beyond. We give you clear projections and tools to see if you’re on track, so you can adjust and plan with confidence.
Everything you need to plan
All features included. Retirement projector, expense tracking, mortgage calculator, stress test, checklists, and more.
Retirement Projector
Enter your numbers, run a projection, and see your story at a glance. Save and compare scenarios, full Insights, Advice, and Downloads.
Complete Retirement Plan
A complete, CFP-style plan from where you are now to where you're going. Load a saved scenario, view in the app or download as a professional-looking PDF.
Expense Tracker
Connect bank and credit accounts with Plaid. One aggregated list of transactions across all institutions. Link in a few clicks, then sync.
Net Worth Tracker
Track assets, liabilities, and expenses over time. Save snapshots and see net worth growth. Optionally import from a saved Retirement Projector scenario.
Mortgage Calculator
Build and compare up to 10 mortgage scenarios with amortization, payment, term balance, payoff date, and charted balance paths.
Investment Picker
Answer a few questions and get guided ETF and account suggestions, plus how much and how often to invest—no trades, just a plan.
Compare Scenarios
Side by side comparison of 2–10 saved scenarios with charts and metrics.
Life Event Simulator
Stress test your plan with market crashes, windfalls, and one time expenses. We'll tell you if your plan still holds up.
Checklists
Pre retirement, in retirement, and planning checklists tailored to your situation. Save your checklist progress in the app or print checklists to work offline.
What about my kids!
Tools for parents: career exploration, “Figure out a job” wizard, and more.
Your enough number
What income would feel secure? We’ll tell you at what age you could stop saving and still hit it.
Survivor Planning
Tools for survivor and estate planning.
Ask Aimee
An AI chatbot providing insights on your retirement scenarios.
Manage scenarios
View, rename, or delete your saved scenarios. Open any scenario in the Retirement Projector.
Everything included
Aim For 99 gives you the Retirement Projector, Complete Retirement Plan, Expense Tracker, Net Worth Tracker, Mortgage Calculator, Investment Picker, Life Event Simulator, Compare Scenarios, Ask Aimee, checklists, kids tools, Survivor Planning, tailored advice, and downloadable PDF reports. The same kind of plan a CFP would deliver.
- Retirement Projector with save, compare, and stress test
- Expense Tracker — connect accounts with Plaid, one list of transactions
- Net Worth Tracker — assets, liabilities, snapshots over time
- Mortgage Calculator — compare up to 10 scenarios, amortization and charts
- Investment Picker — guided ETF and account suggestions
- Save and compare multiple scenarios
- Stress-test with market crash, boom, or windfall
- Tailored financial, insurance, and investment advice
- Year by year data table and export
- Downloadable PDF reports
- Pre and in retirement checklists
- …and much more.