Features

Up to 3 retirement plans

Create separate plans for different scenarios or life stages.

5 assets per plan

Track stocks, ETFs, bonds, real estate, and crypto holdings.

Real-time price updates

Manually refresh prices with current market data.

Year-by-year projections

See how your portfolio grows over time with compound growth modeling.

Three projection modes

Expected, conservative (-2%), and optimistic (+2%) growth scenarios.

Retirement spending modeling

Set your target retirement year and annual spending with inflation adjustment.

Interactive charts

Visualize your portfolio with multiple chart views including composition breakdowns.

Monte Carlo simulations

Run 1,000+ randomized scenarios to understand the probability of success. See percentile outcomes and identify potential risks.

Scenario comparison

Compare up to 5 scenarios side-by-side. Override retirement year, spending, inflation, and asset growth rates to see how changes affect your outcome.

Sequence of returns risk

Model the impact of market crashes at different points in retirement. Test against historical events like 2008, dot-com crash, and COVID.

Historical backtesting

Test your portfolio against past market conditions to compare expected vs actual returns.

Unlimited plans and assets

No limits on the number of plans or assets you can track.

AI-powered insights (300 requests/mo)

Chat with an AI assistant that understands your plan and can answer questions about your retirement strategy. Includes 300 AI requests per month.

Knowledge bank

Save and organize AI insights for future reference.

Plan sharing

Share read-only links with family members, partners, or financial advisors.

CSV import & export

Import holdings from Fidelity, Schwab, Vanguard, E*TRADE, or generic CSV. Export projections to spreadsheets.

Export reports (PDF, CSV, JSON)

Export professional reports in PDF, CSV, or JSON formats to share with family members or advisors.

Auto-refresh prices

Automatically update stock prices with end-of-day market data.

More AI requests (1,000/mo)

Get 1,000 AI requests per month instead of 300, for power users who need more insights.

Social Security optimizer

Analyze claiming strategies from age 62-70. Calculate break-even points, lifetime benefits, and spousal coordination strategies.

Healthcare cost modeling

Plan for pre-Medicare costs, Medicare premiums (Part B, D, Medigap), IRMAA surcharges, and long-term care expenses.

Income streams manager

Model Social Security, pensions, rental income, dividends, annuities, and part-time work with start/end dates and inflation adjustments.

RMD calculator

Calculate Required Minimum Distributions from Traditional accounts using IRS tables and SECURE 2.0 rules.

Tax-optimized withdrawals

Compare withdrawal strategies (conventional, tax-efficient, Roth-first, proportional) across Traditional, Roth, Taxable, and HSA accounts.

Rebalancing alerts

Set target allocations and get notified when your portfolio drifts. See exactly how much to buy or sell to rebalance.