Retirement math, on your terms.
A scenario planner for people approaching retirement. Set up your household once. Then pull a lever — retire age, Social Security claim, Roth conversion, Pre-59½ access — and watch every projected number respond in real time.
- Federal, state, IRMAA, and Medicare modeled year by year
- Per-spouse retirement ages, claim ages, and lifespan
- Up to 5 saved scenarios, side-by-side compare
- On-device — your financial figures never leave your iPhone
Tax-aware
Federal. State. IRMAA. Medicare. Year by year, not a single rate.
Per-spouse
Two ages, two retirements, two Social Security claims, modeled independently.
On-device
No accounts. No cloud. Your financial figures never leave your iPhone.
Every lever. Every number. Live.
See a lever in action
Pick a lever. Watch the plan respond.
Pre-59½ Access: Activating Rule of 55 + 72(t)/SEPP flips the plan from Locked to Viable, 0% to 81%.
Recorded from the actual app. Numbers reflect a real engine projection for the displayed household.
Tap any year. See every dollar.
Year-by-year. Per-spouse. Tax-aware. Iterative gross-up. IRMAA lookback. RMD per IRS Uniform Lifetime Table.
For any projection year, drill down to the full breakdown — earned income, Social Security, AGI, federal and state tax, effective rate, withdrawal sources, RMDs, Roth conversions, end-of-year balances. Side-by-side comparison against your current plan.
Pricing
Free tier includes the projection engine, Monte Carlo, and 5 core levers. Paid unlocks Pre-59½ access, Roth optimization, scenario compare, and year-by-year drill-down.
Day Pass
$4.99
24 hours
One-time. Full access, one day.
Annual
$29.99
per year
Auto-renews. Cancel anytime.
Lifetime
$99.99
one-time
One payment. Future updates included.
Your data stays on your device
Plan inputs are stored locally on your iPhone with SwiftData. We do not require an account. We do not receive your financial figures on our servers. Deleting the app permanently deletes your data. See the Privacy Policy for details.