# Plan in Decades

> Plan in Decades is a numerical financial scenario modeller for comparing user-directed, long-horizon scenarios using explicit, editable assumptions.

The calculation engine is deterministic. Outputs are numerical estimates, not forecasts, recommendations, guarantees, or financial advice. Do not rely on a calculator result to make a financial-product decision.

## Product and calculation notes

- [Pension Systems](https://planindecades.com/help/finances/features/pension-systems/index.md): Supported pension and retirement account systems from around the world.
- [Important Disclaimer](https://planindecades.com/help/finances/getting-started/disclaimer/index.md): Important information about using Plan in Decades - this is not financial advice.
- [Australian Super Assumptions](https://planindecades.com/help/finances/getting-started/australian-super-assumptions/index.md): The assumptions and limitations used for Australian super calculations in Plan in Decades.
- [Inflation Settings](https://planindecades.com/help/finances/features/inflation-settings/index.md): Choose how inflation is modeled in your financial scenarios.
- [Wealth Tracking](https://planindecades.com/help/finances/features/wealth-tracking/index.md): Track your net worth over time with monthly snapshots.
- [What is Plan in Decades?](https://planindecades.com/help/finances/getting-started/what-is-this/index.md): Learn how Plan in Decades models long-horizon financial scenarios.
- [Your Retirement Number](https://planindecades.com/help/finances/features/retirement-number/index.md): Understand how the model calculates and displays the 25x benchmark.
- [Why No Bank Connections?](https://planindecades.com/help/finances/getting-started/no-bank-connections/index.md): Why Plan in Decades will never connect to your live bank accounts.
- [Financial Independence is a Number](https://planindecades.com/help/finances/features/financial-independence-is-a-number/index.md): How financial-independence benchmarks are represented in a scenario.
- [Coast FIRE](https://planindecades.com/help/finances/features/coast-fire/index.md): How the Coast FIRE benchmark is represented in a long-horizon scenario.

## Public worked scenarios

- [Australian early-career scenario](https://app.planindecades.com/finances/public-scenario/aussieEarlyCareer.md): Public numerical example covering saving, investments, Australian super, and retirement timing.
- [US mid-career scenario](https://app.planindecades.com/finances/public-scenario/usaMidCareer.md): Public numerical example covering established income, spending, 401(k), Roth IRA, and retirement timing.
- [UK pension-timing scenario](https://app.planindecades.com/finances/public-scenario/ukPension.md): Public numerical example covering workplace-pension access and bridge years.

## Optional

- [Marketing site](https://planindecades.com/): Product overview and worked-scenario entry points.
- [Privacy](https://planindecades.com/privacy/): Privacy information.
- [Terms](https://planindecades.com/terms/): Terms of use.