Retire together. See what the one who’s left would keep.
A free dashboard for couples: both timelines on one line, how long the money lasts for two, and what the one who’s left would keep. Eight questions, about three minutes, no account.
One of you answers for both. Estimates are fine. You pay nothing.
Your key dates
Example (1964 / 1967)
Your partner reaches 65 3 years after you. Medicare is individual — two sign-up windows, not one.
What is a retirement dashboard for couples?
A single screen that puts both retirement dates and household money on one timeline. The dates are set by law and date of birth: 59½, 62, 65, 66–67, 70, and required withdrawals from 73 or 75. Because you are two people, the dates come in pairs and rarely line up. The dashboard draws both on one line, estimates how long savings last for two, shows what changes for the survivor, and compares claiming dates side by side.
You built this together. Make sure it holds for whichever of you is left.
You’ve run the numbers — maybe each of you separately, and got different answers. What’s left isn’t more research. It’s seeing both timelines on one line, so the decisions you make together don’t quietly undo each other.
“We don’t agree, and we’re tired of the conversation.”
The dashboard shows both claiming dates side by side, with what each would pay the household — and it says which numbers are assumed.
“If I go first, I don’t know what my partner keeps.”
Two benefits become one: the survivor keeps the larger and the smaller stops. The dashboard shows the yearly income that disappears at the first death.
“We’ve each run a calculator and got different answers.”
One picture, one set of facts — yours — so the answers agree.
“Our dates don’t line up.”
They’re on one line, each at the age you’ll be when it arrives. You can see what overlaps and what doesn’t.
“I’d rather not look again.”
It’s an estimate, not a verdict. Change two answers together and the picture moves.
“It’s on us.”
It still is. Now you’re looking at the same board.
What the two of you walk away with.
The base screen stays the same size as you add detail — it gets more precise, not longer.
You both know where you stand.
Both sets of milestones on one line, each placed at the age you’ll be when it arrives — yours and your partner’s. "You are here" for the household.
You know what the one who’s left would keep.
Two benefits become one: the survivor keeps the larger and the smaller stops. The dashboard shows the yearly income that disappears at the first death, in today’s dollars — and the two things that move it.
You see roughly how long the money lasts — for two.
An estimate from both incomes, your savings and your spending, with the assumptions written next to it. It moves when either of you changes an answer.
You see both claiming dates side by side.
What each pair of Social Security dates would pay the household if one of you lives to 95 — with the assumed row labelled as assumed, until you decide. Never a recommendation.
“We don’t agree on Social Security, and we don’t know what the one who’s left would keep.”
One picture, one set of facts — ours. Both claiming dates side by side, the survivor’s picture, and every assumption labelled.
Entered once
- Every date is a rule of the calendar, with its source named
- Entered once — every topic reads the same answers, yours and your partner’s
- "Something changed?" re-answers one question and updates the whole screen
Three steps. Both of you on one line.
Answer eight questions — and a few about your partner.
Both dates of birth, filing status, state, income, savings, spending. One of you answers. Estimates are fine. About three minutes, no account.
01See both timelines on one line.
Both sets of milestones, how long the money lasts for two, what the survivor keeps, and the few things that need attention now.
02Come back when something changes.
A job ends, one of you starts Social Security — re-answer one question and the picture updates. If one of you is ever left, the dates that follow come first.
03We organize the picture. The decisions stay with the two of you.
Here is what the screen looks like.
Illustrative example: a couple in Texas, born 1964 and 1967, filing jointly, the first of them retiring at 65. Ages are set by law and date of birth; the figures on your own dashboard come from your answers.
Each of these answers one question — for one person. None of them tells you what the two of you missed.
Keep them. The dashboard is where their answers go — and where the gaps show.
Each of these answers one question — for one person. None of them tells you what the two of you missed.
Keep them. The dashboard is where their answers go — and where the gaps show.
Each models one person, from a blank form, and forgets you.
Both of you on one timeline; entered once, read everywhere.
Coordinates two claiming dates — and sees no taxes, no Medicare, no survivor’s filing status.
The pairs of dates next to the tax window, Medicare, and what the survivor keeps.
You maintain it, and you have to know the rules — for two people.
The rules are maintained for you; the dates come from law and both birth years.
Sees only the accounts it holds, and nudges its own products.
Sees the household; sells nothing to you.
A second look that doesn’t know your dates and isn’t accountable.
Your dates, your numbers; and when a decision needs a person, a licensed fiduciary with your brief — only if you ask.
A blank-form meeting where one of you re-tells the story.
Optional, later — and you both arrive with a brief instead of a blank form.
The dashboard is free
You never owe Frank Finly anything. The dashboard, the dates, the picture — yours to keep.
01Advisors pay for introductions
If you want a person to walk through it, advisors in our network pay Frank Finly for the introduction — only when you ask. Advisors may charge their own fees for their services.
02No account, no email required
Your answers are saved in this browser. If you want them on another device, add an email and we will keep them for you. Nothing else is needed.
03What’s the catch? None.
The dashboard is free for you. Advisors in our network pay Frank Finly for introductions — only when you ask for one. You never owe us anything.
We handle the complexity. You two make the decisions.
Both timelines, both claiming dates, and the survivor’s picture on one screen. If one of you is ever left, the dashboard changes with you.
The rules are quoted, not paraphrased.
Every age, threshold and deadline comes from current IRS and Social Security rules, with the tax year named next to the figure.
It shows what happens, not what to do.
Frank Finly is not a registered investment adviser and does not give personal advice. Claiming pairs are compared under stated assumptions and labelled as assumed; the dashboard never tells you which to pick. When a decision needs a person, the brief you have built goes to a licensed fiduciary — only if you ask.
Your answers are yours — both of yours.
They stay on this device unless you add an email to keep them. Nothing goes to any firm unless you ask to talk to an advisor; then your brief goes to one firm, and we email you its name. Opt out at any time on our Do Not Sell or Share page.
Two claiming dates
Illustrative example. Received by 95, relative comparison only.
Retirement explained. Not complicated.
Four reads that match the dates on your two timelines.
Social Security Spousal Benefits
→What a spouse can claim on the other’s record, and when it stops.
When to Start Social Security
→The 62 vs 67 vs 70 decision — what changes for singles, couples, and survivors.
Social Security Break-Even
→When delaying actually pays off — and what happens to the survivor’s benefit.
Roth Conversions Explained
→The window between the last paycheck and required withdrawals — for a joint return.
Questions? Answers.
Find out where the two of you stand. Together.
Eight questions and a few about your partner. About three minutes, no account. Both your dates, your money, one line — and what the one who’s left would keep.
See where we stand→