No black boxes. No advisor upsells. A transparent retirement planner that shows exactly how your money grows, when RMDs kick in, and whether your portfolio will last — down to the year.
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Multi-bucket retirement analysis with RMD tracking · Period: 03/2025
Most tools tell you a number. Four Buckets shows you the math behind it — and lets you change every assumption.
Tax-Deferred, Tax-Free (Roth), Taxable, and HSA — tracked separately because they grow, get taxed, and get withdrawn differently. Your net worth is not just one number.
Required Minimum Distributions calculated year by year from the IRS Uniform Lifetime Table — including the SECURE 2.0 change to age 75 for those born 1960+. No estimating.
1,000 randomized scenarios test your plan against market volatility. See the probability your money lasts, not just the optimistic straight-line forecast.
Compare claiming at 62 vs. 67 vs. 70. See the crossover age and lifetime total for each option. The right answer depends on your specific situation.
Your mortgage is part of your retirement plan. Track payoff age, interest cost, and how your payment affects the portfolio draw year by year.
Pre-retirement return, in-retirement return, spending goal, SS claiming age — all configurable. No black-box assumptions you can't see or change.
| Four Buckets | Empower | Boldin | Spreadsheet | |
|---|---|---|---|---|
| Four-bucket tracking | ✓ | Partial | ✓ | — |
| RMDs calculated from IRS table | ✓ | — | ✓ | — |
| SECURE 2.0 (age 75 for 1960+) | ✓ | — | Partial | — |
| Monte Carlo simulation | ✓ | ✓ | ✓ | — |
| All assumptions visible & editable | ✓ | — | Partial | ✓ |
| No data selling / advisor upsells | ✓ | — | ✓ | ✓ |
| Monthly cost | ~$10 | Free* | $10–17 | Free |
*Empower is free but monetizes your data and pushes advisor relationships.
"I've been using spreadsheets for years. This does in seconds what took me hours — and it actually handles RMDs correctly, which my spreadsheet never did."
Early access members get 3 months free and influence the roadmap.
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