Your retirement plan,
finally complete.

A complete financial household, modeled

Salaries, pensions, Social Security, annuities, real estate, deferred compensation, expenses, and portfolio — all in one guided wizard.

A 35+ year future, projected to the dollar

Net worth, cash flow, taxes, and spending charted every year from today through age 90+, in nominal or inflation-adjusted dollars.

NestScore — your plan's vital signs at a glance

The moment you finish the wizard, before running a single simulation, your plan is rated on a five-tier scale from “Bare” to “Soaring.”

Every Social Security claiming strategy you could choose

All 81 combinations of claiming ages for you and your spouse, scored against your real numbers, with delayed retirement credits to the month.

Survivor protection built in, not bolted on

Model exactly what happens if a spouse passes away in any given year — survivor SS benefit, life insurance payout, and adjusted household expenses.

Backdoor and mega backdoor Roth, done right

The IRS pro-rata rule, after-tax 401(k) sub-accounts, and per-person basis tracking handled automatically, with conversions suggested when you're eligible.

Executive-level deferred compensation support

NQDC and §409A payouts modeled with correct tax treatment — including the income tax due, FICA already accounted for at deferral (never double-counted), and the 20% excise-tax risk on a plan-modification violation.

Real estate without the guesswork

Rental depreciation, §1250 recapture, and capital gains; full §1031 like-kind exchange support; property-tax protections in CA, FL, TX, and SC.

Every state's tax rules, built in

All 50 states + DC, with the exact rules for how each taxes (or exempts) Social Security, pensions, military retirement pay, and RMDs.

Healthcare costs, demystified

IRMAA surcharge thresholds, ACA marketplace subsidy optimization, HSA rules, and long-term care premiums, projected alongside your income.

RMDs and charitable giving, optimized automatically

Required minimum distributions at the SECURE 2.0 ages (73/75), QCDs routed to offset them, and a tax-efficient account draw order.

A financial advisor in your pocket, day or night

Ask plain-English questions and get answers grounded in your real numbers, your real simulations, and your real optimizer results.

Take it with you

A presentation-ready PDF report for a human advisor, plus every dashboard table exportable to CSV for your own analysis.

Bring in the people who matter

Share your plan with a spouse, planner, or family member — full control over whether they can view, edit alongside you, or manage it.

Your plan never goes stale — we watch it for you

Every January 1st, your numbers refresh with the latest SS COLA, IRMAA thresholds, and IRS contribution limits — with a summary of what changed.

Birthday emails that are actually useful

Automatic alerts at 59½ (penalty-free access), 62 (SS eligibility), 63 (sets future Medicare premiums), 65 (Medicare enrollment), and before your first RMD.

A once-a-year nudge that could be worth thousands

Every December, exactly how much more you can convert to Roth before tipping into a higher bracket — calculated against your specific plan.

We notice when the market does

If equities move ±15% from your last simulation, we flag whether your plan's odds of success have meaningfully changed.

A 10,000-scenario strategist working for you

The Optimizer tests every SS claiming age, Roth conversion pace, and property-sale timing against your numbers and returns the best combination.

The exact Roth conversion to make, every year

A year-by-year conversion schedule calculated to sit at the edge of your optimal bracket without tipping into IRMAA surcharge territory.

1,000 simulated futures, so you're never relying on one guess

Full market-uncertainty stress-testing — a realistic range of outcomes and the probability your plan actually survives.

Backtest against a century of real market history

Replay your plan through every real retirement start year back to 1928 — the Depression, 1970s stagflation, 2000, 2008 — with actual stock, bond, and (optionally) inflation sequences. See how often your plan would have survived, and compare it against any single year you choose.

Side-by-side “what if” strategy comparisons

Retire two years earlier, spend 10% more, change your asset mix — see the consequences next to your current plan before you decide for real.

Know your life insurance number, not a guess

A precise coverage calculation based on your actual income, mortgage, and living expenses if you weren't there tomorrow.

Budgeting & Expenses — your real spending, categorized

A standalone module: upload bank and card statements, auto-categorize transactions into fixed, essential, and discretionary spending, and build a defensible annual living-expenses budget that flows straight into your retirement plan.

Reconcile your real spending against your plan

One click compares your plan's living-expenses assumption against your actual budget, nets out what the plan already models separately (healthcare, housing, education, one-time spikes), and lets you adopt the reconciled number as a scenario — so your plan is grounded in what you truly spend.

Saved plans

Active financial plans you can keep at once.

Price