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Where to enter your incomeIncome Which box each kind of income goes in: a salary, a spouse still working, gig work, a bonus, pensions, annuities, rent and windfalls. Saving before you retireSaving Set what you save, add your employer's money, find out how much you need to save, and use the Contribution Planner for limits, catch-ups and amounts that change by year. Social Security and government pensionsRetirement Turn it on, enter one number, choose when to claim, and see how your benefit grows and is taxed, with CPP, OAS, the UK State Pension and the Age Pension outside the US. Pensions and annuitiesRetirement Set up a pension or an annuity: when it starts, how long it pays, its yearly raise, the survivor share, how it is taxed, and buying an annuity in your plan. TIPS laddersRetirement Hold a TIPS ladder in its own account, pay the same each year or a different amount each year, and import your ladder from tipsladder.com or a spreadsheet. Health care costs before and after 65Spending What the planner pays for Medicare and IRMAA, what you add yourself, and how to cover the years before 65 (US). Spending and your budgetSpending The spending modes, building a budget and linking it to your plan, when rows start and stop, and one-time costs. Giving to charitySpending Plan your giving: a line in your budget, a one-off on a card, or a QCD straight from your IRA from 70½, never counted twice. The Budget tabSpending A tour of the Budget tab: the snapshot and totals, categories and rows, Quick Actions and samples, Graphs and Forecast, HSA Eligible rows, undo, Export Report and named budgets. The Spending SmileSpending Shape your retirement spending by age: switch the Smile on, open the adjuster on any screen, pick or save a preset, and see what it changes. Returns, inflation and your investment mixSaving What inflation, stock and bond returns, fees and your stock and bond mix do to your plan, how to test a crash or a glide path, and what Chance of Success uses instead. Where your spending money comes fromRetirement The order your plan pays each month in retirement: income, cash, then your accounts. How to keep cash, choose the order, handle RMDs and draw from one account. Your accounts, home and loansAccounts Account types, what is shared and what belongs to a plan, cash, your home and its mortgage, rentals, sales, debts and life insurance. Planning as a coupleYour situation Adding your spouse, who the Primary is, retiring at different times, whose accounts, Social Security for two, and the survivor's years. Roth conversions and tax strategyRetirement Convert pre-tax money to Roth a fixed amount at a time, up to an income limit or year by year, fill low brackets with extra withdrawals, and see what it is worth for your plan. The OptimizerRetirement Let the Optimizer search withdrawal orders, Roth conversions and bracket filling for a better strategy, read what it finds, apply it, and set things back by hand if you change your mind. MilestonesYour situation Mark an age or the moment your savings cross an amount, make it change your plan, and see how often a backup plan is needed. Planning in CanadaYour situation Set your plan to Canada and see what changes: Registered, Tax-Free and Non-Registered accounts, CPP and OAS, federal and provincial tax, pension income splitting, RRIF minimums and the Estate tab. Planning in the UKYour situation Set your plan to the UK and see what changes: pensions, ISAs and GIAs, the State Pension, income tax and National Insurance, the April tax year and inheritance tax.