A CFP-grade household retirement planner built for real people.
Multi-account portfolios, Social Security optimization, Monte Carlo
simulation, and 40+ planning scenarios — all in your browser.
Nothing stored. Nothing sent anywhere.
Every feature a financial planner reaches for — in a single tool that loads in your browser in seconds and never asks for your email address.
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Multi-Account Household Planner
Model Roth, Traditional, and taxable accounts for two people independently — then combined into one household projection. Each account type applies the correct tax treatment automatically.
Core
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Social Security Optimizer
Enter your FRA benefit and explore every claiming age from 62 to 70. Break-even analysis, spousal benefit calculation, and survivor benefit modeling. Claiming SS at 70 vs 62 can differ by $300K over a lifetime.
Core
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Monte Carlo Simulation
Run 1,000+ retirement scenarios with randomized market returns to model sequence-of-returns risk. See your survival probability, median outcome, and the 10th-percentile worst case.
Advanced
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Spending Phases
Model the retirement "spending smile" — higher spending in active early years, lower in the settled middle, higher again for late-life healthcare. Gives a more accurate sustainability picture than flat annual spending.
Advanced
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RMD Integration
Year-by-year Required Minimum Distribution cascade starting at age 73. See which years forced withdrawals exceed your spending needs — and how that affects your tax bracket and Medicare IRMAA surcharges.
Advanced
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Estate & Beneficiary Planning
Federal and state estate tax exposure, step-up in basis value, charitable bequest modeling, and a 9-item beneficiary document checklist — all drawn from your balance sheet automatically.
Advanced
40+
Planning Scenarios
1,000
Monte Carlo Simulations
$0
Cost to You
0
Data Points Collected
How it works
Three steps to your first projection.
The tool guides you through the inputs that matter most. Fill in what you know — the sidebar updates your results in real time as you go.
01 — Market & Macro
Set your growth assumptions
Enter your expected CAGR, inflation rate, and marginal tax rate. These three inputs drive every projection in the tool. Sensible defaults are pre-filled — adjust them to match your outlook.
02 — Your Accounts
Add your investment accounts
Enter current balances and annual contributions for each account — Roth, Traditional, or taxable. Add accounts for your spouse if applicable. Each type is taxed correctly in the simulation.
03 — Income & Spending
Set your retirement target
Enter your desired annual spending, Social Security benefit, and retirement horizon. The sidebar immediately shows your portfolio at retirement, how many years it sustains your withdrawal, and your plan's readiness score.
For financial professionals
White-label this tool for your practice.
Offer your clients a CFP-grade planning tool at your subdomain with your branding. Fully customized, always up to date, and deployed in days — not months.