Help & Docs

No — you can use the full core planner without signing in. Your plan is saved locally in your browser. Sign up to unlock cloud sync and premium features.

Open the top nav Profile menu and start with Basics: birth year, planned retirement year, income, and account balances. Use Profile → Summary for completion status and recommended next steps on the dashboard.

A year-by-year projection from now to your life expectancy — covering portfolio withdrawals, Social Security, Roth conversions, RMDs, IRMAA Medicare surcharges, state taxes, ACA health subsidies, and more.

All calculations run entirely in your browser — no financial data is sent to our servers unless you explicitly save a plan (cloud sync). Saved plans are encrypted in transit and at rest.

Projections use your exact inputs and apply current IRS rules (tax brackets, standard deductions, RMD tables, IRMAA tiers). They are deterministic estimates — not guarantees. Use Monte Carlo mode to model market uncertainty.

Monte Carlo runs randomized market sequences using your return and inflation assumptions to estimate the probability your plan survives to your life expectancy. Open Projections → Monte Carlo and turn on Monte Carlo on at the top of that page. Premium unlocks the full simulation.

The backtest runs your plan against every 30-year historical market window from 1926–2024 using real S&P 500, bond, and CPI data. It shows how your plan would have fared in the worst decades (e.g. 1929, 1966, 2000).

Claiming SS earlier means more years of income but a permanently lower monthly benefit. Claiming later (up to age 70) means a higher monthly benefit that reduces portfolio withdrawals in later years. The planner models the full lifetime break-even.

SECURE 2.0 rules: born ≤ 1950 → RMD starts at 72; born 1951–1959 → age 73; born ≥ 1960 → age 75. The engine uses the IRS Uniform Lifetime Table divisors and accounts for the QLAC exclusion if you've set one up.

A Roth conversion moves pre-tax IRA/401(k) money to a Roth account. You pay income tax now, but future growth and withdrawals are tax-free. Done strategically in low-income years before RMDs kick in, it can significantly reduce lifetime taxes.

The Optimizer searches combinations of retirement age, Social Security claiming age, Roth conversion amount, and target tax bracket to find the plan that maximizes your earliest possible retirement while minimizing lifetime taxes.

Planning tools → Tax Plan shows a year-by-year Roth conversion and tax roadmap aligned to your target bracket. Set conversion levers in Profile → Investments; the roadmap follows those inputs and flags ACA cliff years, IRMAA lookback risk, and conversion truncation when limits apply.

The Legacy → TCJA view models estate tax exposure using the higher federal exemption made permanent under the OBBBA (2025), roughly $15M per person inflation-adjusted — not a 2026 TCJA sunset cliff. Use it to see whether your projected estate exceeds the threshold.

When you're signed in, your plan is automatically saved to our servers after each change (with a short debounce). You can pick up exactly where you left off on any device.

Yes. After clearing your plan, a "Restore from cloud" prompt appears in the app header. Click it to pull your last saved cloud snapshot back to this device.

Traditional IRA, Roth IRA, 401(k)/403(b)/457(b), Roth 401(k)/403(b), TSP, Solo 401(k), SIMPLE 401(k), Money Purchase Plan, SEP-IRA, SIMPLE IRA, HSA, taxable brokerage, and more — including crypto/staking income.

You can save up to 10 named manual compare snapshots from the Save Scenario control in the app header. Four Roth variants generated on Planning tools → Compare are stored separately and do not use those slots.

The full retirement projection engine, portfolio charts, Social Security optimizer, and local plan storage. Premium adds cloud sync, the Run Optimizer and Tax Plan workflows, Monte Carlo, Historical Backtest, Stress Test, Legacy planning, PDF export, and related advanced tools.

Cloud sync, Run Optimizer, Tax Plan and Tax Brackets, Monte Carlo, Historical Backtest, Stress Test, Legacy and inheritance planning, PDF export, and priority support.

Open the user menu (top-right avatar) → Account & Subscription → Manage billing. This opens the Stripe customer portal where you can update payment, download invoices, or cancel.

Yes — if you cancel within 14 days of your first charge and haven't used Premium features extensively, contact us for a full refund.