Retirement planning,
explained simply

The ideas behind a solid plan — written for smart people who aren't finance people. No jargon without a translation, no concept without a "so what should I do?"

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Your first plan in 10 minutes

Enter three things, run your first simulation, and learn how to read the single most important number in Vundii.

CONCEPT 1

The success rate

Why Vundii runs 6,000 versions of your retirement instead of one — and what "82%" actually means.

CONCEPT 2

Accounts & the three tax buckets

401k, Roth, brokerage — the type decides when the IRS gets paid. Getting the mix right buys you flexibility.

CONCEPT 3

What retirement actually costs

Needs vs. wants, why healthcare inflates faster than everything else, and expenses that start and stop.

CONCEPT 4

Social Security timing

Claim at 62, 67, or 70? One decision, up to a 77% difference in your monthly check — for life.

CONCEPT 5

Withdrawal order

Which account you tap first can be worth tens of thousands over a retirement. Here's the logic.

CONCEPT 6

Roth conversions

Voluntarily paying tax early sounds crazy — until you see what forced withdrawals do to your bracket at 73.

CONCEPT 7

RMDs — the tax bill that finds you

After 73 the IRS makes you withdraw whether you need the money or not. Plan for it a decade early.

CONCEPT 8

Market risk & sequence of returns

Why a crash the year you retire hurts far more than the same crash ten years later — and the defenses that work.

REFERENCE

Glossary

Every term Vundii uses — PIA, FRA, IRMAA, glide path, guardrails — in one page of plain-English definitions.