Pricing
Simple pricing. And right now, six months on us.
The planner is free, and free means the whole thing — not a preview that stops before the number you came for. Plus, which adds the drawdown optimizer, is free for your first six months. We don't ask for a card to start it, so there is nothing to cancel if you decide it isn't for you.
Free
The whole planner on one plan. Enough to answer "when can we stop working?" and test whether the answer holds.
What's included
- One retirement plan
- Both partners, modelled separately
- Year-by-year projection to end of life
- Federal + state tax, ACA, IRMAA, RMDs
- Stress test with historical sequences
- Monte Carlo up to 2,000 trials
- Spending guardrail comparison
- Conventional withdrawal order
- Life expectancy estimator
- CSV account import
Plus
The drawdown optimizer, and room to keep more than one plan alive at a time. Free for your first six months, and we do not ask for a card to start.
What's included
- Everything in Free
- Unlimited plans and branches
- All seven withdrawal orders
- Roth conversion bracket fill
- ACA premium-credit optimisation
- IRMAA threshold optimisation
- 0% long-term-gain harvesting
- Per-year withdrawal overrides
- Earliest-retirement-age search
- Priority email support
Pricing FAQ
What does "free" actually include?
One plan, with the full engine behind it: both partners, the year-by-year projection, federal and state tax with ACA credits and IRMAA, RMDs, the stress test, Monte Carlo and the guardrail comparison. The limits are the number of plans you can keep and the optimising withdrawal strategies.
What is the catch with six months free?
None, and there is no card involved — which is the part that usually is the catch. Plus is free for six months from the day you start it. We'll tell you before it ends, and if you do nothing it reverts to Free rather than charging you.
What happens when the six months are up?
You choose. Continue on Plus at $12/month, or do nothing and drop to Free — your plans stay either way, and the ones beyond the Free tier's limit become read-only rather than disappearing. Because we never took a card, doing nothing costs nothing.
Can I cancel at any time?
Yes. Cancel from your account settings and you keep access until the end of the period you have paid for.
What happens to my plans if I downgrade?
Your plans stay. Beyond the free tier's limit they become read-only rather than disappearing, and upgrading again restores editing exactly where you left it.
Is my financial data safe?
Encrypted in transit and at rest, never sold, never used for advertising, and never fed to an ad network. You can export a machine-readable copy of every plan at any time, and deleting your account deletes the data. See the Privacy policy for specifics.
What each phase of the app contains is listed in Features.