A little clarity for
your next chapter.
Practical tools and guides to help you learn, plan, and approach everyday decisions with more confidence.
Our first tool is a simple retirement budget calculator. See how your expected income compares with your expenses, then explore what could change.
See calculator detailsWhat could your month look like?
Retirement Budget
& What-If Calculator
Put your income and expenses in one place. See what remains each month and how a spending or income change could affect the total.
One-time launch payment for 12 months of calculator access from your purchase date. No automatic renewal. Applicable tax, if any, will be shown at checkout.
After 12 months, access ends. You may choose to purchase another access period if offered. An internet connection and a current web browser are required. No installation is needed.
Try a simple samplePurchasing is currently unavailable. Paid access is not connected, and no orders are being accepted.
- Individual expenses in seven easy-to-open categories
- Monthly or yearly amounts, totaled automatically
- Current budget and what-if comparisons
- Optional remembering in your own browser
- Download and reopen a budget file
- A clear layout for phones, tablets, and computers
Make room for an informed decision.
Bring your numbers.
Start with expected take-home income and your best expense estimates. Include bills that come only once a year.
See your monthly picture.
Find out whether your entered expenses leave money remaining or create a monthly shortfall.
Try a practical change.
Explore lower spending or a change in income, then see how much difference it makes.
Learning and planning,
one step at a time.
JCLowe’s Next Chapter Shop is created by Jeannine Lowe, a retired high-school teacher with 22 years of teaching experience.
It brings that teaching approach to practical tools: clear explanations, simple choices, and a chance to apply what you learn. The Retirement Budget & What-If Calculator is the shop’s first product.
One change. A clearer picture.
This free sample uses one expense total. The full calculator includes individual expenses in seven categories, browser saving, and budget-file downloads. Use example amounts; there is no need to enter private information.
Your monthly comparison
Enter valid amounts with up to two decimal places. Income and expenses must be zero or more. A spending reduction cannot make total expenses negative.
Set aside for yearly bills: $100.00 per month
A few things to know.
What does the $9.99 offer include?
Twelve months of access to the full browser-based calculator, beginning on the purchase date. It includes individual expense categories, monthly and yearly expense entry, current and what-if results, optional browser saving, and budget-file download and import. There is no automatic renewal. The launch price is in US dollars; applicable taxes will be shown at checkout. Sales are not open yet.
How will I receive and use my access?
The intended delivery is an email containing a unique access key and a calculator link after payment. Access will expire 12 months after purchase. This delivery and verification system is not connected yet. We will test it before accepting payments.
Will my budget entries be sent to the shop?
The calculator runs its budget calculations on your device. Optional saving keeps a copy in your browser, and a downloaded budget file stays wherever you save it. We do not need your budget figures to verify a purchase. Browser storage and downloaded budget files are not encrypted by this tool, and others using the same browser profile or file may see them. Save only on devices you trust. There is no automatic syncing between devices.
Does it tell me whether I can afford to retire?
It compares the income and expenses you enter. It does not forecast investment returns, inflation, taxes, or how long savings will last. It is an educational budgeting tool and cannot establish whether you can afford to retire. It does not provide personalized financial, tax, or investment advice.
What happens when my access ends?
The online calculator will stop accepting the expired access key. There will be no automatic charge. Download your budget file before your access ends if you want to keep a copy of the entries. Keeping that file does not extend access to the calculator. A new purchase will be optional if further access is offered.
Purchase and access terms
Offer prepared November 5, 2026. Orders are currently closed. These terms describe the intended offer and must match the final checkout before sales open.
- Price and period: $9.99 USD as a one-time launch payment for 12 months from purchase, plus any applicable tax disclosed at checkout. No subscription or automatic renewal.
- Personal use: Access is for the purchaser’s personal budgeting. Do not resell or publicly distribute an access key.
- Requirements: A current browser, JavaScript, and an internet connection. Optional browser saving requires available browser storage. Clearing browser data or using private browsing may remove saved entries.
- Your files: You are responsible for keeping downloaded budget files safe. We cannot recover locally saved budget entries.
- Results: Outputs depend on your entries and are estimates for budgeting. Check the amounts and account for bills or changes you have not entered.
All sales are final; we do not offer change-of-mind refunds. This does not limit rights required by applicable law or Lemon Squeezy’s buyer terms and refund authority. For a problem accessing the calculator or receiving the product described, contact us at technologymadesimple50@gmail.com so we can investigate and help resolve it.
Privacy, in plain language
This page: The sample calculates in your browser. It does not submit or save the numbers you type. This page has no advertising, analytics, or email-signup scripts added by the shop. Cloudflare hosts the page and may process technical information, such as an IP address, to deliver and protect it. See Cloudflare’s privacy policy.
Purchases and access: The planned provider is Lemon Squeezy. Payment, receipt, and access verification require purchase information separate from your budget entries. When connected, Lemon Squeezy and the shop may process information such as your email address, order, and license status for delivery and support. Payment information is handled by the payment provider. See Lemon Squeezy’s privacy policy and buyer terms. Checkout and paid access are not active on this page.
Contact: If you email us, we receive your email address and the information you send. Please do not email budget files, account numbers, payment-card details, or passwords. Questions about the product or privacy can be sent to technologymadesimple50@gmail.com.