Complete planning. Complete privacy.
Monte Carlo stress tests, real tax brackets, Social Security strategy, healthcare and long-term care — your whole retirement, modeled year by year, free. And your finances are encrypted in your browser before they ever reach us: what we store, we cannot open.
Everything in one clear dashboard.
Your readiness, your cost-of-living curve, and the levers that change them — live on one screen, in today's dollars, updating the moment you nudge anything.
Under the hood: real math, all the way down.
Thousands of market scenarios, every tax, Social Security timing, and the stress tests for what actually derails a retirement.
Thousands of market scenarios
A Monte Carlo simulation runs your plan through good markets and bad — including 2022-style crashes — and tells you the odds it lasts.
Taxes, done properly
Real federal and state brackets, capital gains, and required minimum distributions — because what you keep after tax is what actually funds your retirement.
Social Security timing
When you claim, spousal benefits, and what happens if the trust fund is cut in 2034 — every path modeled.
The healthcare cliff
ACA subsidies if you retire before 65, then Medicare, then long-term care — the costs that quietly sink the most plans.
“What if it goes wrong?”
One click stress-tests a market crash, a benefits cut, a long-term-care event, or losing a spouse — so you know the plan holds before it has to.
“What would it take?”
Tell it the retirement you want and it solves for the answer: save this much more, retire two years later, or trim spending a little.
Pensions, annuities, HSAs, inherited IRAs, a year-by-year cash-flow ledger — over 100 details in all, free. A plan you can trust has to be complete, so we built all of it.
Your money stays yours. We can't see it — and that's the point.
Your retirement is the most sensitive financial picture you have. So we built the guarantees into the architecture itself — not the fine print.
Locked before it ever reaches us
Your numbers are encrypted right in your browser, with a key that never leaves your device. What lands on our servers is a sealed box.
We can't read your plan — not won't, can't
We hold no key that can open your data. Even if we wanted to, even if we were ordered to, we could not open it. It's not a privacy promise you have to trust — it's math you can verify.
Never sold. No ads. Not ever.
We don't sell your data, show you ads, or quietly route you into products. Free means free.
And if you ever leave, deletion is real: your encrypted plan is gone for good, not flagged “inactive” in a database somewhere.
Your assistant, working on your plan — on your terms.
Connect your own AI assistant and put it to work: stress-test scenarios, tune your savings, ask “am I on track?” — answered with your real numbers, on your rules. It's the same math the dashboard runs, opened to the assistant you already trust.
Connected in minutes
A guided setup links Claude, ChatGPT, or any assistant that speaks MCP — the open standard for connecting AI to tools. Approve the connection once; revoke it any time.
Scoped access, not open access
Your assistant works through permissions you grant — scoped, time-limited, revocable. It gets a calculator to work with, never the keys to your data.
Nothing saves without you
Anything your assistant proposes lands in your browser as a review. You see the exact change, then approve or discard it. Your plan never moves without your say-so.
It's the .ai in our name — live today on every plan, from the Connect page in your account.
Your inflation, modeled in three phases of life.
A retirement isn't one flat number for thirty years, so we never model it that way. Your cost of living is projected phase by phase — active years, slower years, care years — tuned to where you live, whether you own or rent, and how you'll handle health costs, which rise fastest exactly when income is fixed.
Every weight and rate behind this is public. The index is FixedBasket, our open methodology — check the math yourself.
See where you actually stand.
Free, private, and complete. Your data stays yours — we couldn't read it if we tried.
Build your plan — free →