From the nine-to-five to ninety-five.
See what happens to your money if you retire at 62 instead of 65. Tell the AI assistant you already use about your household, the way you would tell a friend, and 9to95 runs the numbers behind the conversation.
We're not open for subscriptions yet, so there is nothing to buy today.
Three ways to look at your plan
Put the choices you are weighing next to each other and see how each one plays out under the assumptions you set. It does not choose a plan for you. That part stays yours.
A single-path projection
Follow one future, year by year, under the assumptions you set.
A Monte Carlo test
Run the same plan through many market futures, the good stretches and the rough ones.
Side-by-side comparisons
Two or more plans you define, next to each other: retiring at 62 or at 65, claiming Social Security at 67 or at 70.
Works inside the assistant you already use
No new app to learn. 9to95 is a connector your AI assistant calls, the way it might call a search tool. Rather work on screen? A web app opens with subscriptions, and the same subscription covers both.
9to95 does the math. Your assistant puts it into words.
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Connect once
Add 9to95 in your assistant's settings, once, and it is there whenever you want it.
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Describe your household
Your assistant asks about your household, one topic at a time: ages, accounts, income, spending, Social Security. It checks that everything fits together before any numbers run.
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Run and compare
Try two or more versions of your plan and see them side by side, with every assumption listed.
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Your assistant does the talking
9to95 does the math. Your assistant puts it into words.
Use the assistant you already have
One connector, three step-by-step guides: pick yours. If your assistant needs a paid plan of its own, that may cost extra and is billed by its provider, separately from 9to95.
Can we retire 2 years earlier?
I ran your plan with retirement at 53 instead of 55, everything else unchanged. On the single smooth path, ending net worth is $61,000 instead of $745,000, in today's dollars, and the money lasts to the end year in both. In the simulation, the share of futures in which the money lasts moves from 82% to 74%. Those are the calculator's figures under your assumptions, not a prediction and not advice.
As of , every Claude plan, the free one included, can add a custom connector; ChatGPT and Gemini need one of their paid plans. Those plans are sold by their providers, not by 9to95.
Sample household with invented figures. This is not your plan and says nothing about your situation. Educational modeling output; hypothetical, not a prediction or guarantee, and not financial, investment, tax, or legal advice. Demo simulations use preset sampling settings. To run your own figures, see https://9to95.com/pricing.html. Use of 9to95 is subject to the Terms of Service at https://9to95.com/terms.html.
- It never picks investments or tells you what to buy or sell. It shows what your own choices do.
- It never connects to your bank or brokerage. It works only from what you tell it.
- It does not keep your plan.
Planned pricing
7-day free trial, then 89 USD a year or 9 USD a month unless you cancel first. Renews until you cancel; cancel online any time. Any charge refunded in full within 30 days, no questions asked.
89 USD a year or 9 USD a month, charged to your card and renewing automatically until you cancel. Cancel online any time. Any charge refunded in full if requested within 30 days of that charge. 7-day free trial; the card you enter is charged when the trial ends unless you cancel first.
Any price can change only at a renewal, with at least 30 days' email notice, and you can cancel instead.
Start with a 7-day free trial. A card is needed; cancel before it ends and nothing is charged. Want a feel for it first? A demo on sample households opens when we go live.