The Only Retirement Calculator That Won't Lie to You.
Most calculators show you fantasy numbers. We show you exactly when your money runs out.
Every other retirement calculator starts with false hope—assuming perfect careers, steady raises, and magical investment returns. They generate feel-good projections that fall apart the moment real life happens. PROS+ is different. We'll tell you the truth, even when it's uncomfortable.
We show you the exact age your money runs out .
PROS+ doesn't give you vague warnings about "potential shortfalls." If your current plan only funds life until 83 but you'll likely live to 95, you deserve to know that now, while you can still fix it.
We calculate the actual dollar gap.
We don't provide you with percentages or abstract scores. When we say "you need $127,000 more," that's a real number you can work with. Divide it by your working years left, and suddenly you have a monthly savings target that means something.
We model real solutions, not fantasies.
"Just save 20% of your income" isn't helpful if you're supporting kids and aging parents. But "working 18 more months" or "earning $12,000/year part-time in early retirement"? Those are choices you can actually make. Let PROS+ help you make those decisions.
We account for the retirement danger zone.
Most calculators average out your whole retirement. We show you that ages 85-95 are where plans fail, when healthcare costs spike and savings are depleted. Knowing this helps you plan specifically for those vulnerable years.
We separate hopes from math.
Your retirement dreams matter, but first you need to know if you can afford food and medicine. We show both: what you need to survive AND what you need to thrive, so you can make informed trade-offs.
Built for How Women's Lives Actually Work
The Truth, Plus What to Do About It
Career gaps. Divorce. Late starts. Caregiving.
The truth might be tough, but it's the first step to taking control.
Knowing you'll run out of money at 83 is only useful if you know how to fix it. PROS+ shows you exactly what changes make the biggest difference
- How much extra time working moves the needle
- Whether part-time work in retirement solves the gap
- What monthly savings increase gets you to your 70s, 80s or 90s
- Which expenses actually matter vs. which don't
No sugarcoating. No sales pitch. No fantasy scenarios.
Just honest numbers and real solutions based on your actual life.
