Your first plan in 10 minutes

Step 1 — Tell Vundii who you are (2 minutes)

On the My Plan page, enter your birth year, the age you'd like to retire, and your current income. That's the skeleton of your timeline: how many years you have to save, and how many years the savings must cover.

Don't agonize over the retirement age — it's a dial you'll turn later, not a commitment. Moving it by even one or two years often changes your outlook more than any other single input.

Step 2 — Add your accounts (3 minutes)

On the Accounts page, add each place your retirement savings lives: 401k, IRA, Roth IRA, brokerage account, cash. For each one you need just two things: roughly what's in it, and roughly what you add per year.

The account type matters more than you might expect, because it decides how withdrawals get taxed later. That's a whole topic of its own — Accounts & the three tax buckets — but for now, just pick the type that matches each account.

Step 3 — Add your spending (3 minutes)

On the Expenses page, enter what you expect to spend per month in retirement. If you only know one total number, that's fine — enter it as one expense. Splitting it into categories (housing, healthcare, travel) comes later and makes the plan sharper, because different expenses behave differently over time.

Not sure what to put? A common starting point is 70–80% of what you spend today. You can also just use your current monthly spending — it's a conservative first guess.

Step 4 — Read your first result (2 minutes)

Open the Dashboard. The big number — your success rate — is the heart of Vundii. It's the percentage of 6,000 simulated retirements in which your money lasted your whole life.

• 85% or higher — strong. Your plan survives most futures, including many bad ones.
• 70–84% — decent, but some cushion would help.
• Below 70% — worth attention. More savings, later retirement, or lower spending would each move it.

Why a percentage and not a yes/no? Because nobody knows what markets will do — and a single projection pretending otherwise would be lying to you. The full story is in The success rate.

Where to go next

Once your first number is on the screen, improve the plan in the order that matters most:

1. Social Security — enter your estimate and explore claiming ages. It's likely your largest single asset. Why timing matters →
2. Expenses in detail — split spending into categories with their own inflation rates and start/end ages.
3. Scenarios — clone your plan and ask "what if I retire two years earlier?" side by side.
4. Taxes — once the basics feel right, the Tax Planning and Withdrawal Strategy pages find money most people leave on the table.