Closed beta. Access is approved on request. Request access →

A precise, private retirement plan you control.

Model your retirement with the same care a good planner brings: taxes, Social Security timing, Medicare, healthcare. Then stress-test it against decades of market history. It all runs privately on your device, and your numbers stay yours.

Request access See what it does

Free for 14 days once approved. No credit card to start.

By the numbers

scenarios stress-tested per run
10,000
scenarios stress-tested per run
of market history in the stress test
75+ yrs
of market history in the stress test
account types supported
~16
account types supported
claim ages optimized
62–70
claim ages optimized
third-party trackers
0
third-party trackers

Built for real retirement decisions

More than a back-of-the-napkin calculator: a working instrument that models the rules that actually move the number.

Real financial engines

The taxes, required withdrawals, Social Security, Medicare costs, and health-insurance subsidies that shape a real retirement, modeled to current US law, not rough rules of thumb.

Stress-tested against history

A clear projection plus a 10,000-scenario stress test built on decades of real market history, so you see the most likely outcome and the risks around it.

Private by design

Your financial data is encrypted on your own device before it's stored, so it stays readable only to you. No bank-linking, and nothing tracking you.

See your plan two ways

A clear projection to understand the likely path, and a stress test to understand the risk around it.

Projections you can trust

See where you land based on the returns you expect, or on how your own accounts have actually performed. Same inputs, same answer, every time.

Retirement
Planned return Your track record

A stress test, not a guess

Thousands of simulated market histories show how often your plan lasts, and how much cushion you have, in today's dollars.

Plan success 92% 10,000 runs If a plan runs short
Range of outcomes Most likely Planned

Plan in branching scenarios

Start from a base plan, then branch unlimited what-ifs: retire two years earlier, contribute more, change your withdrawal order. Each scenario only stores what you changed, so comparisons stay honest.

  • Built-in optimizer finds the best Social Security claim ages for each plan
  • Five ways to draw down your savings, from simplest to most tax-efficient
  • Per-scenario retirement age, contributions, returns, and spending
Explore the features

Social Security claim-age optimizer

Social Security claim-age comparison; age 70 is the optimum.
Claim age Monthly Plan success
62 $2,100 84%
67 $3,000 90%
70 Best $3,720 94%

Illustrative. Optimized for plan-success probability.

Made for money decisions. Secured like it.

Your financial data is encrypted on your own device, you sign in with a passkey or password, and nothing here tracks you, so the trust is built into how it works.

Why it's secure

Good to know

  • For US residents, built around US tax and Social Security rules
  • An educational planning tool, not financial advice
  • No bank-linking and no live market data: your inputs, your control

See your retirement in numbers

Request access to the closed beta and build your first plan in an afternoon.

Request access

Free for 14 days once approved. No credit card to start.