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.

New signed-in users may see an 8-chapter guided setup first, or (on a blank plan, when samples are enabled) Not sure yet? Explore a sample plan under Start Basics on Dashboard. Otherwise open Profile → Basics (birth year, retirement year, state) then Income, Expenses, and Accounts. Dashboard KPIs unlock after Basics. See the Tutorial for exact sample-plan steps — your local plan must be empty.

Sign in. If this device already has plan data: Cloud ▾ → Clear plan → confirm Clear local plan. Wait for loading to finish, then open Dashboard → under Start Basics → click Not sure yet? Explore a sample plan (or Explore a sample plan on guided setup). Samples only appear on a blank local plan and do not merge with existing inputs.

A year-by-year projection from now to your life expectancy — covering portfolio withdrawals, Social Security, Roth conversions, RMDs, federal and state tax (including state long-term capital gains where applicable), IRMAA Medicare surcharges, 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).

A deterministic stress test: pick a drawdown year, portfolio loss %, optional inflation spike, and recovery period. Unlike Monte Carlo, it shows one severe crash path — useful with Historical Backtest for sequence risk.

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.

Plan analysis → Tax Plan is an interactive timeline: per-year conversions, federal and state LTCG (with harvesting), locks, and lifetime tax summary. Edits are what-if until you use Apply to active plan — then Roth, gain harvest, and unanimous withdrawal-order changes flow to your Action Plan and projections. Set baseline levers in Profile → Investments. See the User Guide section Tax Plan vs. Action Plan.

Tax Plan is your what-if workbench — edit any year and see tax, IRMAA, and ACA effects in the Tax Plan table only. Action Plan (Dashboard) is your committed 10-year roadmap from your active profile and applied optimizer schedule. Use Apply to active plan in Tax Plan when tuned edits should update Action Plan and projections.

Profile → Basics uses one state for all years. Duplicate your plan (Save Scenario) and open Plan analysis → Compare with a different state of residence — or see the User Guide section Retiring in a different state.

Guided setup is the 8-chapter wizard (Basics through Real Estate) for blank plans — resume from Dashboard → Continue setup. Guided mode is the lighter nav lock that unlocks Profile in order; switch to full planner anytime from the user menu.

Profile → Income → Post-retirement income: add up to three phases (part-time W-2, consulting, or severance) with amount and start/end ages. Spouse bridge income is on the same page for married households.

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 with cloud backup enabled (Settings → Plan Data), your active plan auto-saves to our servers after each change (watch for ✓ Synced). Named snapshots from Save Scenario sync separately — up to 3 on the free tier, unlimited on Premium.

Yes. Clear plan removes local data only; cloud backup is unchanged until you resume sync or edit. Use Cloud ▾ → Use cloud backup 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.

Free signed-in accounts: up to 3 named manual snapshots via Save Scenario (cloud-synced when backup is on). Premium: unlimited named snapshots. Plan analysis → Compare also stores four Roth strategy variants separately — they do not use those slots. Compare side-by-side is a Premium feature.

Full projection engine, portfolio charts, cash flow, Black Swan stress test, main-plan Social Security inputs, summary PDF export (some sections locked), local storage, and — when signed in with cloud backup on — autosave for your active plan plus up to 3 named scenario snapshots. Premium unlocks Plan analysis (Run Optimizer, SS Optimizer, Tax Plan, Compare, Stress Test, Legacy, Sage), Monte Carlo, Historical Backtest, full PDF export, and unlimited named snapshots.

Plan analysis (Run Optimizer, SS Optimizer, Tax Plan, Tax Brackets, Compare, Stress Test, Review, Survivor Tax Impact), Legacy planning, Monte Carlo, Historical Backtest, Sage AI, full PDF export (no locked sections), and unlimited cloud-synced named snapshots (plus 4 Roth variants in Compare). Free signed-in users keep cloud backup for the active plan and up to 3 named snapshots.

Plan analysis → Compare combines Roth strategy variants and saved plan snapshots on one screen. Older deep links to Roth compare still open this view.

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 30 days of your first charge and haven't used Premium features extensively, contact us for a full refund.