Sphinx Money models your household's complete financial picture — accounts, income, and expenses — and projects month by month how long your money will last. Change any assumption and see the impact instantly.
No financial advice. A planning tool to help you think clearly about your future.
Not a generic calculator. Enter your real accounts, income sources, and monthly spending. Sphinx Money projects your actual retirement timeline, month by month, out to age 95.
What if you saved $500 more each month? Retired at 62 instead of 65? Cut expenses by 10%? Model any scenario alongside your baseline and see the exact difference.
Life changes. Update your plan as your income grows, accounts shift, or goals evolve. See month over month whether you're ahead of or behind your retirement target.
Answer a short set of questions about your income, savings accounts, and monthly expenses. Takes about five minutes.
Your personal projection appears instantly — a full chart of your portfolio over time, with the exact month your money runs out or lasts forever.
Adjust income, savings, or spending assumptions. Create named scenarios to compare options side by side. Return anytime to update your numbers.
Pick a persona below to see a fully loaded dashboard — projections, scenarios, and progress tracking — with no sign-up required.
Just getting started. Long runway, aggressive allocation, small but growing portfolio.
Peak earning years, juggling family expenses, building wealth across multiple accounts.
7 years to retirement, substantial savings, transitioning to conservative allocation.
Already retired, living off portfolio + Social Security. Dynamic withdrawal guardrails active.
It's free. No credit card required. Start with a five-minute questionnaire.