Retirement planning, made clear
Will your money last through retirement?
Map your income, expenses, and savings month by month. See exactly when your money could run out — and what to change so it doesn’t.
30‑day free trial · no credit card.
Everything you need to plan with confidence
Know your run‑out date
A month‑by‑month projection across Social Security, pensions, 401(k)/IRA withdrawals, wages and cash — with the exact month your balance could hit zero.
See how savings drain
Watch each account draw down over time, and control which accounts are spent first.
Track real spending
Set a budget, import your bank CSV, and auto‑categorize transactions that learn from your corrections (Premium).
AI that finds the fix
Get plain‑English suggestions to stretch your plan — delay a withdrawal, trim a cost, or retire a year later.
See it in action
A real plan, projected month by month. This one runs out in 2047 — the app shows exactly when, why, and what moves the date.
How it works
Enter your numbers
Add your income streams, expenses, and account balances. Start from a sample and edit.
See the projection
Month‑by‑month balances, cash flow, and the year your money could run out.
Adjust and improve
Test changes instantly and let the AI suggest ways to make your plan last longer.
Simple pricing
Start free — no credit card. A 30‑day trial unlocks everything.
Free
$0 forever
Your month‑by‑month forecast & run‑out date — with taxes, Social Security & RMDs — saved to your account.
Start freeMonthly
$9 / month
Everything in Free, plus Monte Carlo, What‑If, Social Security, AI review, and the living budget that keeps your plan matched to real spending.
Start free trialAnnual
$79 / year
All Premium features. Save ~27% — about $6.58/mo, a fraction of what the big all‑in‑one planning suites cost.
Start free trialCompare plans
The forecast is free forever. Premium adds the deeper tools.
| Feature | Free | Premium |
|---|---|---|
| Month‑by‑month forecast & run‑out date | ✓ | ✓ |
| Balance & account‑drawdown charts | ✓ | ✓ |
| Month‑by‑month detail view | ✓ | ✓ |
| Unlimited income, expenses & accounts | ✓ | ✓ |
| Saved to your account (syncs across devices) | ✓ | ✓ |
| Taxes, Social Security taxation & RMDs in your run‑out date | ✓ | ✓ |
| Monte Carlo — odds your money lasts | — | ✓ |
| What‑If — test changes instantly | — | ✓ |
| Social Security claiming helper | — | ✓ |
| AI plan review | — | ✓ |
| Import a bank statement — see your real spending vs your plan | 1 free | Unlimited |
| Auto‑categorize (learns from you) + living budget that keeps your plan calibrated | — | ✓ |
No credit card. Upgrade anytime for $79/yr or $9/mo — 30‑day money‑back guarantee on annual.
Questions
Is there a free plan?
Yes — the month‑by‑month forecast and your run‑out date are free forever, saved to your account, and you can import one bank statement free to see your real spending against your plan. Premium adds Monte Carlo odds, what‑if comparisons, Social Security timing, AI review, and the living budget that keeps your plan matched to your real spending automatically.
Is my free forecast trustworthy?
Yes — it’s an honest number, not a rosy teaser. Taxes, Social Security taxation, and Required Minimum Distributions are already built into your free run‑out date.
How much is Premium?
$9/month or $79/year (about $6.58/mo — a fraction of the cost of the big all‑in‑one planning suites), with a 30‑day money‑back guarantee on annual. Start with a 30‑day free trial, no credit card.
Do I need to connect my bank?
No. You can type everything in. Bank‑CSV import is optional and only used if you want to keep your plan calibrated to your real spending.
Is my data private?
Your plan is saved to your own account and isn’t shared or sold. The AI review runs on our server — nothing is posted publicly.
Can I cancel anytime?
Yes. Manage or cancel your subscription anytime from the billing portal in your account menu.