What If Analysis
Test six specific 'what if' scenarios to understand how changes in life expectancy, investment returns, inflation, one-time expenses, loans, and early retirement affect your retirement plan. Each scenario can be customized with specific adjustment values and works with both individual and household retirement plans.
Life Expectancy Scenarios
Test how living longer affects your retirement plan by adjusting life expectancy for both partners.
Investment Return Scenarios
Analyze the impact of different investment returns by adjusting annual returns up or down.
Inflation Scenarios
Test how inflation changes affect your purchasing power by adjusting inflation rates up or down.
One-Time Expense Scenarios
Evaluate the impact of significant one-time expenses on your retirement plan, such as major purchases or unexpected costs.
Loan Scenarios
Analyze how loans and debt repayment strategies affect your retirement timeline and financial security.
Early Retirement Scenarios
Explore the financial implications of retiring early by adjusting retirement dates for both partners in your plan.
Inside What If Analysis
Screens from the Projection Lab: configure shocks, compare outcomes, and see how probability moves with your plan.
Configure assumptions
Choose a scenario type—life expectancy, returns, inflation, one-time expenses, loans, or early retirement—and set adjustment values. The Projection Lab recalculates your plan’s outlook against the same probability engine.
How What If Analysis works
What If Analysis lets you test six specific scenarios against your retirement plan. Adjust assumptions and see how success probability and projections change—all from the Projection Lab.
- • Life expectancy — Test living longer (e.g. +5 years) for one or both partners.
- • Investment returns — See impact of higher or lower returns (e.g. -1%).
- • Inflation — Adjust inflation up or down (e.g. +0.5%).
- • One-time expenses — Model lump sums (e.g. major purchase or emergency).
- • Loans — Add or change loans and see effect on your plan.
- • Early retirement — Retire earlier and see how it affects outcomes.
Watch the walkthrough video on the right to see What If Analysis in action.
For best quality, select 1080p in the video player settings (gear icon).
Key Benefits
Why choose our What If Analysis service?
Six specific scenario types
Life expectancy adjustments for both partners
Investment return sensitivity testing
Inflation impact analysis
One-time expense planning
Loan and debt impact analysis
Early retirement scenario testing
Individual and household plan support
Integrated probability analysis
Ready to Explore Scenarios?
Start your what-if analysis today and discover how different decisions can shape your financial future.