Retirement planner
Test retirement timing, spending, and portfolios across historical and modeled scenarios.
Mortgage calculatorCompare monthly costs, lifetime interest, payoff timing, and extra payments.
National DebtExplore how deficits, interest rates, spending, and time change the federal debt.
Government DashboardTrack federal revenue, spending, programs, defense, and the budget.
WeatherSee hourly conditions, the week ahead, and active local alerts.
NewsScan current U.S. headlines or search the stories that matter.
Provider FinderSearch providers by name, NPI, specialty, and location.
Think TankCompare how influential thinkers approach difficult public questions.
Plan outlook
Portfolio range
Average Portfolio Balance By Age
80% rangeMedian
Historical backtest
—Final portfolio balance by historic simulation
Each point is one complete retirement period of 30 years, beginning in the labeled year.
Retirement cash flow
Average portfolio withdrawals by age
Annual amount (future $)Withdrawal rate
How do the two simulation types differ?
Each path varies yearly stock, bond, and cash returns—including when good and bad years occur—then applies your inflation, fees, taxes, income, spending, and stress-test choices.
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Follow-up Questions
Save a scenario to compare choices side by side.
Change an age, spending level, strategy, or stress test—then save another.
Mortgage outlook
Estimated monthly payment$0Principal, interest, taxes, insurance, PMI, and HOA
Loan summary
Loan amount$0
Total interest$0
Interest saved$0
Total P&I$0
Total property tax$0
Total insurance$0
Total HOA$0
Payoff date—
Amortization
Loan Balance, Principal & Interest By Year
Amortization schedule
Annual Principal & Interest
| Loan year | Principal | Interest | Extra principal | Ending balance |
|---|
Save a home to compare mortgage options.
Change the price, down payment, rate, loan term, or extra payments—then save another.
National debt outlook
U.S. national debt$—Connecting to the U.S. Treasury
Recent pace—Estimated from recent Treasury records
Debt composition
Who Holds the Federal Debt
Held by the public$—Intragovernmental$—
Debt trajectory
U.S. Debt Since 1950 & Modeled Outlook
Official historyBaselineYour scenario
Your household share expressed in years of annual income.
—debt-to-income
Projected per-citizen burden at your selected retirement age.
—projected total debt
Modeled debt after your selected projection period.
—vs. baseline
Government Dashboard
Track what the federal government collects, spends, promises, and reports—without mixing unlike accounting measures.
Latest monthly ledger
Connecting to Treasury…
Official fiscal-year cash data
Reading the latest federal ledger…
Government data is temporarily unavailable.
The dashboard could not load a verified Treasury snapshot.
Total national debt
$—
Connecting to Treasury…
Debt composition
Held by the public—
Government accounts—
Enter Location
Search a city worldwide, a U.S. ZIP code, or use your current location.
Reading the latest local forecast…
News reader
Browse news and its sources in the Zapappy Workbench news reader.
Regions
Topics
Sources
Publishers
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Headlines
Checking updates…
Ready to load
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Find a healthcare provider
Provider results
Checking directory…
Start with a name, NPI, specialty, or location.
Results come from public CMS provider records stored in the Zapappy provider index.
Provider map
Selected addresses are orangeSearch to place provider addresses on the map.
What would they think?
Where the groups land
Action to reduce emissions and climate harm—not support for warming. Editorial ratings; policy-specific limits are explained below. Unknown views are excluded from averages.
Ask a question to begin.
Search above, then select a matching question to populate the responses.
Reconstructed responses are labeled separately from documented views. General Population reports polling where available; AI Constitutionalist provides constitutional context.
Compare Social Security start ages
Same portfolio, spending, tax and return assumptions; only your claiming age changes. These are scenarios, not a recommendation. Waiting may require larger withdrawals before benefits start.