There is no new app to learn. You talk to the AI assistant you already use, and it calls 9to95 whenever there is math to do, the way it might call a search tool. If you would rather work on screen, a web app opens with subscriptions, and the same subscription covers it.
9to95 does the math. Your assistant puts it into words.
See every setting one step at a time in the guide.
1. Connect once
Add 9to95 once in your assistant's settings. The connect guide for your assistant walks you through it, with pictures.
2. Describe your household
Your assistant asks about your household, one topic at a time: ages, accounts, income, spending, Social Security. It writes your answers into a scenario file and checks that everything fits together before any numbers run.
3. Run and compare
Now the good part. Ask what happens if you retire at 62 instead of 65, or claim Social Security at 70 instead of 67. The calculator runs one year-by-year path and a Monte Carlo test across many market futures, and lines your plans up side by side. Every result is a comparison under the assumptions you set, and those assumptions are listed right beside it. Running your own figures takes a subscription.
4. Your assistant does the talking
9to95 does the math, and your assistant talks you through it. The words come from your assistant, so they can vary from one chat to the next. The numbers come 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.
What the calculation includes
- Models marketplace health insurance before Medicare: premiums and the premium tax credit under the rules for the tool's stated tax-data year, including the income level above which the credit stops.
- Models the sale of a home, including the tax on the gain after the federal exclusion for a primary residence ($250,000 per person, $500,000 for a couple filing jointly) and the move or downsize that follows.
- Each expense can grow at its own rate, for example home upkeep tied to the home's value or medical costs at a medical inflation rate, rather than every line growing at one inflation rate.
- Models a move to another state in a chosen year: state and local tax rules follow the new state from that year, with no home sale; the home, mortgage and accounts stay as entered.
- Models a period of long-term care late in life, with the cost growing at a medical inflation rate you can set. During it, and in every year, money is drawn in the order the plan sets, which can place seasoned Roth money before traditional money that would be taxed above a chosen bracket.
What it stays out of
- 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. The privacy page has the details.