Why people give up on planners
Powerful tools ask for a finance degree before they show you anything.
The usual setup
…and dozens more fields, before you see a single number.
Glidepath
That's enough for a first plan. Anything it has to guess, it says so, and you can fix it with one click:
- Assumed: Health insurance from 50 to 65: $10k/yr
- Assumed: Social Security at 67: $35k/yr, from your salary
- Assumed: Your employer matches 4%
Then ask what you actually want to know
Try a decision before you make it.
Every what-if runs through the full engine and comes back side by side with your plan. Here's the sample couple above, starting from 93%:
“What if we both stopped at 52 instead?”
Chance money lasts
75%
“What if we spent $1,000 more a month?”
Chance money lasts
81%
“What if Sam went part-time at 50?”
Chance money lasts
89%
Also: “When's the earliest we could stop?” “How much could we safely spend?” “What if we sell the house at 60?”
Real math under the hood
The AI never makes up a number.
The guide fills in your plan and explains it. A separate projection engine does every calculation, and every figure the guide quotes comes from that engine. Ask it to show its work, year by year.
2026 tax rules
Federal brackets, capital gains stacked on top, payroll tax and your state's rate.
Social Security, properly taxed
Up to 85% of benefits taxed by the provisional-income formula, survivor benefits included.
Account rules
401(k), IRA, Roth, HSA and brokerage: early-withdrawal penalties, RMDs at 73 or 75, cost basis.
Tax-smart withdrawals
Draws cash, then taxable, then pre-tax, then Roth, and grosses up for the tax each withdrawal causes.
Real market history
Every starting year since 1871 (the data FI Calc and FIRECalc use), plus 500 markets built from real 5-year stretches, so crashes and recoveries keep their real shape.
Room to flex
Shows how much you'd need to trim in bad markets, not just a pass/fail number that assumes you never adjust.
Today's dollars
Everything shown after inflation, so $80k means what $80k buys now.
Already retired?
A two-minute check-in every month.
Enter what's in your investments and cash. Glidepath tells you what you can spend this month, adjusting with guardrails when markets fall or rise, and whether to sell or live off cash.
Age 63 · $1.5M invested · $70k cash
You can spend this month
$4.7k
✓ Within the guardrails: spending just keeps up with inflation.
No need to sell. Live off cash (15 months on hand).
Free to plan. Plus to keep going.
Build your plan and see how it holds up for free, with 10 messages to the guide a month. Plus is $99/year for unlimited conversations, several plans and the monthly check-in.