Questions, answered
Straight answers about access, privacy, and what the planner actually does.
Access & beta
How do I get access?
We're in closed beta. Request access and we'll review and approve new accounts before they're activated. You'll get an email when you're in.
Is there a free trial?
Yes. 14 days with full access and no credit card to start. After that, Pro continues monthly or, for less, annually.
Are the prices final?
Not yet. While we're in closed beta the prices shown are an estimate and may change before launch. Beta members will get clear notice before anything becomes paid.
Privacy & security
Is my financial data private?
Yes. Everything you enter is encrypted on your own device before it's saved. We only ever store the unreadable version, so we can't see your balances or plans.
Can anyone at your company see my data?
No. Your financial data is locked on your device with a key only you hold. Even with full access to our own systems, our team can't read it. The one thing tied to you is the email you sign in with.
Do you connect to my bank?
No. There's no bank-linking: you enter your own numbers, which keeps you in control and means there's far less that could ever be exposed.
Do you track me or sell my data?
Never. No third-party trackers, no analytics pixels, no ads, and we don't sell your data, on the app or on this site.
How do I sign in?
With a passkey for password-free sign-in, or a regular password, both with email verification to confirm it's really you.
What it does
What can it model?
Federal income tax, required retirement-account withdrawals, Social Security (with a tool to find the best age to claim), Medicare surcharges, health-insurance subsidies, and a 10,000-scenario stress test.
Are the results consistent?
Yes. The same inputs always produce the same results, so you can compare plans with confidence.
Where does the market data come from?
From decades of real historical market and inflation data, 75+ years of it. There are no live market feeds; your projections are built on your assumptions and that history.
Does it work for couples?
Yes. You can plan as a couple, including spousal and survivor Social Security and each person's own retirement and claim ages.
Scope, data & disclaimer
Is this financial advice?
No. It's a planning tool to help you explore your options. Every result is an estimate based on the inputs and assumptions you provide. Consult a qualified financial, tax, or legal professional before making decisions.
Is it US-only?
Yes. It's built around US tax and Social Security rules, and amounts are in US dollars.
What accounts are supported?
A wide range, including 401(k), 403(b), 457(b), TSP, traditional and Roth IRA, brokerage, HSA, pensions, and CDs.
Can I export or delete my data?
Yes. Print a PDF and take your whole plan with you anytime. Deleting your account permanently removes your data, too.
Still have a question?
Reach Heiko Zuerker directly. Happy to help.