Tools
Make the next decision a little clearer.
These tools help you turn rough concerns about health, medications, and retirement into numbers, questions, and next steps you can actually use.
The workbench
Six tools, each on its own page.
Every tool below stands alone and runs entirely in your browser. Nothing you type is sent anywhere. If you are not sure where to begin, start with the Age Well Score and let the result point you at the one worth your time.
Start here
The Age Well Score
One whole-person snapshot across healthspan habits, medication safety, wealthspan readiness, and care planning. Most people should begin here, then use the individual tools to refine whichever domain came back weakest.
Money
Retirement health care costs
What health care will actually cost across retirement, including the pre-Medicare gap years if you stop working before 65.
Money
Retirement savings readiness
Whether the savings will last, and what a few years of care at home would do to the plan.
Money
Wealthspan checkup
Cash flow, reserves, and debt, with a clear order to fix them in.
Health
Healthspan checkup
Movement, strength, sleep, and recovery against the habits that predict independence.
Health
Medication review
Score anticholinergic burden and build the questions worth asking your prescriber.
Member Life Planner
Connect retirement planning with health, care, and longevity.
The Healthspan and Wealthspan Life Planner is a life-cycle financial planning calculator for comparing future work income, financial assets, retirement spending, guaranteed income, and health and long-term-care reserves in today's dollars.
See the whole balance sheet
Estimate human capital, financial capital, lifetime spending needs, and a planning funded ratio.
Compare decisions
Stress-test earlier or later retirement, healthcare reserves, long-term care, and family support.
Keep the limits visible
The deterministic model does not calculate taxes, Social Security rules, RMDs, or market probabilities.