Everything you need to model, test, and visualize your financial future — without connecting your accounts.
Run thousands of scenarios using historical market data to understand your real probability of success.
Create multiple "what-if" scenarios. Retire early? Buy a house? See how each decision affects your trajectory.
Set meaningful milestones — coast FI, lean FIRE, full independence — and track your progress over time.
Model your savings hierarchy: emergency fund, then debt payoff, then investments. See the long-term impact.
Automatic federal and state tax projections. Model Roth conversions, capital gains, and RMDs.
No account linking required. Your data stays yours. Manual entry means complete control.
No spreadsheet gymnastics. No confusing interfaces. Just straightforward financial modeling.
Enter your current balances, income sources, and recurring expenses. No bank connections needed.
Set your milestones, adjust assumptions, and model life events like career changes or big purchases.
Run simulations, compare plans side-by-side, and make confident decisions about your future.
Start free, upgrade when you're ready to save your progress.
“Finally, a planning tool that doesn't require linking my accounts. The Monte Carlo simulations give me real confidence in my retirement plan.”
“The scenario comparison feature is incredible. I modeled 6 different retirement paths and finally feel confident about my decision to coast FI.”
“I've tried every retirement calculator out there. This is the first one that actually models my complex situation with rental properties and a sabbatical.”