Plans and pricing
Test your plan for free. Keep it on track every year with Plus. Or take a printable plan to your advisor. Every option uses the same honest test, our Retirement Replay engine: your numbers, replayed through every U.S. market since 1928.
For testing your plan before you retire
$0
With your email address
For keeping your plan on track every year
$69/year
or $8.99 a month. Save $39 with yearly.
For taking your plan to an advisor or spouse
$29 one time
30-day money-back guarantee. Included free with yearly Plus.
Free
Most retirement calculators assume one average return. Century Tested replays your savings and spending through every real market since 1928, including the Depression, the 1970s and 2008, and shows how often your plan would have lasted.
Then it shows you better ways to take money out: guardrails that adjust spending a little with the market, a cash bucket so you don’t sell in a crash, and our combined plan that uses both.
Plus · Coming soon
Retirement isn’t one decision. Each year, markets move, prices rise and your cash bucket runs down. Plus turns your rules into a short check-in every January, so you always know what to do next, and why.
Printable plan
Retirement decisions are easier to make together. The printable plan turns your numbers into about a dozen clear pages you can follow on your own or share with a spouse or a financial professional: exact dollar triggers for each year, what to do in a crash, and a worksheet for your yearly check-in.
| What you get | Free | Plus | Printable plan (add-on) |
|---|---|---|---|
| Test your spending against every market since 1928 | ✓ | ✓ | — |
| Guardrails, buckets and the combined plan | ✓ | ✓ | — |
| All 28 calculators and walkthroughs (no email needed) | ✓ | ✓ | ✓ |
| The Century Tested Monthly newsletter | ✓ | ✓ | — |
| Live mode: a yearly check-in with your rules | — | ✓ | — |
| Cash-bucket refill and build schedule | — | ✓ | — |
| Saved plans and scenarios on any device | — | ✓ | — |
| January review reminder | — | ✓ | — |
| Printable withdrawal plan | — | Any time | One plan |
| Year-by-year guardrail trigger table | — | ✓ | ✓ |
| Market-crash playbook and six bad-start replays | — | ✓ | ✓ |
| Yearly check-in worksheet | — | ✓ | ✓ |
| Questions to take to your advisor | — | ✓ | ✓ |
The printable plan is a one-time add-on: you build it from your numbers in the free planner.
Be first to know when Plus opens. Nothing is charged now, and joining also unlocks the free planner.
Yes. Enter your email address and the whole planner unlocks: every retirement since 1928, guardrails, buckets, the combined plan and the strategy comparison. The calculators on our tools pages don’t need an email at all.
Plus is coming soon. Join the waitlist and we’ll email you when it opens. Nothing is charged to join the waitlist, and joining also unlocks the free planner.
About a dozen pages built from your own numbers: your rules step by step; a trigger table with the exact savings levels that mean cut or raise for each of your first 15 years; a playbook for a 20%, 35% or 50% market drop; your plan replayed year by year through six famous bad starts; your odds and spending floor; a yearly check-in worksheet; and questions for your advisor. The cover and first page are free to preview before you buy.
You don’t need it, but it’s built for you. Live mode turns your rules into a short yearly check-in: enter a few numbers each January and it tells you whether to trim, hold or raise spending and whether to refill your cash bucket.
Yes. If the printable plan isn’t useful to you, email [email protected] within 30 days of buying it and we’ll refund you in full. Payments are handled securely by Stripe.
No. Century Tested is an educational tool that tests plans against market history. It doesn’t consider taxes or your full situation, so we encourage you to review decisions with a fiduciary financial professional. The printable plan is designed to make that conversation easier.
The planner runs in your browser, and the numbers you enter stay on your device. Your email address is used to unlock the planner and, if you choose, to send the newsletter.