At the heart of the app is a Monte Carlo simulator that determines your safe withdrawal rate and assesses the risk of your plan. We make it easy to find a plan that matches your income needs and risk level.
Includes a tax optimizer that estimates the tax efficiency of your plan. The tax optimizer will test multiple tax strategies to find the one that saves you the most money.
Your financial data stays on your device.
No account creation or login required. We take privacy seriously.
On the 'Profile', 'Portfolio', and 'Income' tabs you will enter your financial information. This will let the planner know about assets and income that you will have in retirement, as well as relevant personal information such as your age and tax status.
The planner will analyze thousands of scenarios and show you the best options organized by risk level. We perform a risk analysis of each plan using a Monte Carlo simulation. The simulation shows how the plan performs under a wide variety of potential market conditions.
The plan detail screen shows you how to put the plan into action. The withdrawal and sequencing sections will let you know how much, and in what order, money should be withdrawn from your assets to provide income in retirement. You can read more about the withdrawal and sequencing strategies in the documentation.