Working with Durendo.
Enter your numbers, understand what drives your plan, and turn that understanding into decisions that strengthen it.
Start with your numbers
Bring together your household, finances and assumptions.
Understand what drives your plan
See how your finances develop and what shapes the results.
Explore choices and strengthen your plan
Compare choices and find actions that could improve your outcomes.
Use what you learn to revisit your numbers and explore your plan again.
Start with your numbers.
Durendo guides you through setting up your household and finances, one step at a time.
- Have these to hand. Your balances by account type, your home’s value and mortgage, your Social Security statement from ssa.gov (you can upload it), pension details, and a sense of yearly spending. Estimates are fine; you can refine the numbers later.
- Start with what you know. Use the assumptions provided and add estimates where needed.
- Choose how to begin. Use Quick setup for a first outline, or Detailed setup to work through your information step by step.
- Refine your plan as you learn. Return to your numbers as your understanding grows.
Build your plan, step by step
- PeopleWho you’re planning for
- AccountsBalances and account types
- PropertiesProperty and related debts
- IncomeWhat comes in, and when
- HealthcareHealth coverage and costs
- ExpensesWhat you expect to spend
- Asset allocationHow your investments are divided
Understand what drives your plan.
Durendo projects your finances year by year, including detailed tax calculations, from working and saving through retirement and the legacy you leave. Explore how your plan responds to simulated market outcomes and historical market conditions.
- Clarify what you want your money to do for you. Spend more today, create family memories, retire earlier, or leave a legacy.
- See which choices support what matters to you. Explore how the pieces fit together and which changes make a difference.
- See what remains after tax. Durendo calculates taxes in detail every year, so you can see how income, investments and withdrawals affect what you can spend or leave to others.
What shapes your plan
Assets & liabilities
What you own, where it is held and what you owe.
Income
What comes in, and when.
Spending
What your life costs, now and later.
Investments
How your money is invested, and how returns and risk affect your plan.
Taxes
How your choices affect the taxes you pay and the money you keep.
Project your finances
Net worth by category
Age
Liquid net worth simulations
Age
Illustrative projections
Explore choices and strengthen your plan.
Turn understanding into actionable insights. Compare choices against what you want to achieve—more to spend yourself, more to leave to others, or a balance of both—and understand the trade-offs before deciding what to do.
- Try what-ifs. A market fall, long-term care, a different spending pattern or investment mix.
- Explore strategies. Compare Roth conversions, Social Security timing, spending budgets and retirement dates.
- Weigh the benefits against the cost. Compare the tax paid on a conversion with its potential benefits over your plan.
A Roth conversion example
After-tax estate at end of plan
$405,000 higher
Gain confidence and comfort.
Durendo helps you gain confidence and comfort in your financial situation by helping you:
- Understand what drives your plan. Learn how your finances fit together, which choices make a difference, and what trade-offs matter to you.
- Understand how robust your plan is. Explore different market outcomes, scenarios and what-ifs. See how much room your plan has for uncertainty and what you could adjust if circumstances change.
- Turn understanding into decisions. Compare your choices about investments, taxes and spending, with the potential to improve your financial outcomes.
How robust is your plan?
Probability of funding 80%
- Plenty left over55%
- Comfortable20%
- Just enough5%
- Needs adjustment20%