ELCI · Sample plans
Sample plans
Complete plans, each scored 0 to 100 on how comfortably a thousand simulated lives get lived. Scores in the 90s mean nearly every life stayed fully funded; lower scores mean longer stretches of cutbacks, and lives where essentials fail drag the number down fast. Open one, change any number, and the score recomputes as you go. Nothing here is saved, and one button copies a sample into your own plan.
Dana 60 & Mike 58Dana is already retired; Mike wants to join her at 60, with $2.7M saved and five years of health coverage to buy before Medicare.Does he need a few more working years, or will they need to cut expenses? Move Mike's last working year, or trim the spending targets, and see what each is worth.61ELCIPriya, 52Still earning $9,000 a month, with retirement set for 65 and $960,000 saved so far.The plan works; her worry is the tail: a long life, or a care need late in it. Switch on long-term care coverage, or move her retirement date, and see what each buys.70ELCIWalt & Eunice, both 71Careful spenders with a pension, two Social Security checks, and $1.4M saved.Their question runs the other way: not will it last, but are they being too careful? Raise the experiences and giving targets, or the legacy goal, and find what their plan can handle.95ELCI