Retirement Forecast
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Retirement planning, made clear

Will your money last through retirement?

Map your income, expenses, and savings month by month. See exactly when your money could run out — and what to change so it doesn’t.

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30‑day free trial · no credit card.

A retirement balance projection rising then declining to zero, with a red ‘Money runs out’ marker in 2047.

Everything you need to plan with confidence

Know your run‑out date

A month‑by‑month projection across Social Security, pensions, 401(k)/IRA withdrawals, wages and cash — with the exact month your balance could hit zero.

Taxes done honestly

Inflation‑indexed brackets, Social Security taxation, capital gains, RMDs on the right spouse's clock, Medicare IRMAA cliffs — even ACA subsidies if you retire before 65.

Find your Roth window

Compare filling different tax brackets with Roth conversions before RMDs hit — with the Medicare and ACA cliffs priced into the answer, not ignored.

Stress‑test what scares you

A long‑term‑care event at 85. Outliving your life expectancy. Returns two points lower than you hoped, inflation a point higher. The survivor years after a spouse dies. See whether the plan holds.

Compare plans side by side

Save “Retire at 62” next to “Retire at 65” and “Sell the house” — run‑out dates, ending balances, and odds of success in one view, so the decision gets made with numbers.

Track real spending

Import a CSV from any bank or credit card and see your actual spending against your plan — auto‑categorized, learning from your corrections, so you can update the plan one category at a time (unlimited imports Premium).

AI that finds the fix

Get plain‑English suggestions to stretch your plan — delay a withdrawal, trim a cost, or retire a year later.

See it in action

A real plan, projected month by month. This one runs out in 2047 — the app shows exactly when, why, and what moves the date.

Summary tiles: Outlook ‘Runs out in Nov 2047’, about 21 years of runway, $690,000 starting balance, $766,082 peak balance.
A stacked chart of each account draining over time — cash and brokerage first, then 401(k), then IRA.
Watch each account drain — and choose which is spent first.
One month’s detail: $6,060 income vs $7,802 expenses, with $1,743 drawn from savings and each line itemized.
Open any month: income, expenses, taxes, and what’s left.
A Monte Carlo result: 7% of 500 randomized market scenarios ended without running out of money.
Monte Carlo: your odds across 500 market scenarios.
Build your forecast free

How it works

1

Enter your numbers

Add your income streams, expenses, and account balances. Start from a sample and edit.

2

See the projection

Month‑by‑month balances, cash flow, and the year your money could run out.

3

Adjust and improve

Test changes instantly and let the AI suggest ways to make your plan last longer.

Simple pricing

Start free — no credit card. A 30‑day trial unlocks everything.

Free

$0 forever

Your month‑by‑month forecast & run‑out date — with taxes, Social Security & RMDs — saved to your account.

Start free

Monthly

$9 / month

Everything in Free, plus Monte Carlo, What‑If, side‑by‑side plans, Social Security, AI review, and the living budget that keeps your plan matched to real spending.

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Best value

Annual

$79 / year

All Premium features. Save ~27% — about $6.58/mo, a fraction of what the big all‑in‑one planning suites cost.

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Compare plans

The forecast is free forever. Premium adds the deeper tools.

FeatureFreePremium
Month‑by‑month forecast & run‑out date✓✓
Balance & account‑drawdown charts✓✓
Month‑by‑month detail view✓✓
Unlimited income, expenses & accounts✓✓
Saved to your account (syncs across devices)✓✓
Taxes, Social Security taxation & RMDs in your run‑out date✓✓
Monte Carlo — odds across markets and lifespans, rigid vs flexible spending—✓
Roth conversion comparison (IRMAA & ACA cliffs included)—✓
Survivor, long‑term‑care & spending‑phase modeling✓✓
What‑If — test changes instantly—✓
Named plans side by side — “Retire at 62” vs “Retire at 65”, compared—✓
Social Security claiming helper—✓
AI plan review—✓
Import a statement from any bank or card — see your real spending vs your plan1 freeUnlimited
Auto‑categorize (learns from you) + living budget that keeps your plan calibrated—✓
Start free

No credit card. Upgrade anytime for $79/yr or $9/mo — 30‑day money‑back guarantee on annual.

Questions

Is there a free plan?

Yes — the month‑by‑month forecast and your run‑out date are free forever, saved to your account, and you can import one statement free — from any bank or credit card — to see your real spending against your plan. Premium adds Monte Carlo odds, what‑if comparisons, side‑by‑side named plans, Social Security timing, AI review, and the living budget that shows your plan against your real spending category by category, so you can bring the two in line with a click.

Is my free forecast trustworthy?

Yes — it’s an honest number, not a rosy teaser. Taxes, Social Security taxation, and Required Minimum Distributions are already built into your free run‑out date.

How much is Premium?

$9/month or $79/year (about $6.58/mo — a fraction of the cost of the big all‑in‑one planning suites), with a 30‑day money‑back guarantee on annual. Start with a 30‑day free trial, no credit card.

Do I need to connect my bank?

No. You can type everything in. Bank‑CSV import is optional and only used if you want to keep your plan calibrated to your real spending.

Is my data private?

Your plan is saved to your own account and isn’t shared or sold. The AI review runs on our server — nothing is posted publicly.

Can I cancel anytime?

Yes. Manage or cancel your subscription anytime from the billing portal in your account menu.

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