An AI co‑pilot, not just a calculator
Change your plan in plain English. The AI runs your idea through the planner’s own simulator and shows whether you’d still be solvent — with the trade‑offs explained.
AI Retirement Income Planner · Version 7
The retirement planner you can actually talk to.
Model your income, taxes, Social Security, healthcare and withdrawals — month by month, privately in your browser. Then ask the built-in AI co‑pilot, in plain English, “will this still work?”
✓ Buy once — no subscription
✓ No account required
✓ Runs offline in your browser
Capabilities comparable to $100–$500/year retirement software
Five‑phase month‑by‑month engine
US, UK, Canada, Australia & expat
Monte Carlo & historical backtest
Social Security optimizer
Roth, RMD, IRMAA & ACA modeling
AI co‑pilot & education built in
Why it’s different
Premium planning power, without the yearly bill.
Most tools give you projections and charts. This one explains every number, tests your ideas, and keeps your data on your own computer — for a single one‑time purchase.
Built to teach, not just to compute
Every confusing acronym — IRMAA, ACA, RMD, NIIT — has a plain‑English answer one click away. A glossary, guides and videos are built right in.
Your financial data stays yours
No account. No subscription. No bank connections. Nothing is uploaded — your plan lives in your browser as a single self‑contained file you own forever.
Built for your situation
Whoever you are, there's a mode for you.
Planning as a couple
Optimise when each spouse claims Social Security, model the survivor's income drop, and see the widow's tax cliff — before it happens.
Already retired
Enter your current age and balances — the Replan from Today mode re‑centres the whole projection forward from where you actually are.
Living abroad
UK, Canada, Australia, the Philippines or Thailand — the right taxes, currencies and healthcare costs switch on automatically for your residency.
Worried about tax
Model ACA subsidies, IRMAA surcharges, Roth conversions and NIIT — so you can manage your MAGI before the year ends, not after it.
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retirement phases
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currencies
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national tax regimes
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plan‑health checks
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subscription, ever
A closer look
Everything you need to answer the big questions.
Ask the AI — and trust the answer
The Plan‑with‑AI sidebar sits beside your dashboard. Ask “can I retire a year earlier?” or “shift more to cash” and it proposes specific numbers, simulates them with the real engine, and shows the verified result before you accept.
- Personalised answers in seconds
- Numeric, verifiable proposals you approve
- Runs under your own API key — fully optional
Up to twelve automatic checks grade your plan
Evidence‑based health checks score your plan and tell you exactly what to improve — from depletion risk to tax efficiency — with a clear confidence rating you can act on.
- See what’s working and what to improve
- Plan‑health score & confidence metric
- Sign off a plan and get a 12‑month review reminder
Stress‑test across hundreds of market futures
Monte Carlo simulation and historical backtesting show a range of possible outcomes — best, worst and most likely — so you can plan with confidence instead of guesswork.
- Randomised inflation in every simulation
- Sequence‑of‑returns & bear‑market stress tests
- Identify risks before they become problems
See it in action
One tool. Every retirement decision.
Tap any panel to enlarge.
Social Security timing
See what claiming at 62, 67 or 70 really costs — for couples too.
Survivor planning
Model the income drop — and the “widow’s tax cliff” — before it happens.
Six currencies, four regimes
US, UK, Canada, Australia and expat — taxes and healthcare built in.
Compare scenarios
Put entire plans side by side and see which one comes out ahead.
Stress test
Pressure‑test your plan across bear markets and high‑inflation futures.
Annuity calculator
Price SPIA, DIA and fixed‑plus‑COLA income for guaranteed floors.
Buy once, own it
Choose your planner.
Instant digital download on Etsy. One‑time purchase — no subscription, ever.
AI Retirement Income Planner v7
The complete five‑phase planner with AI chat, tax & healthcare modeling, and risk tools.
$37.49
$79.99
Save 53%
Best value
v7 + Roth Optimizer Bundle
The full planner plus the companion Roth Conversion Optimizer — for just $2.50 more.
$39.99
$74.99
Save 47%
Roth Conversion Optimizer
The companion tool that minimises your lifetime tax through smart Roth conversions.
$2.99
$5.99
Private by design
Perhaps the biggest difference: your data never leaves your computer.
The planner is a single self‑contained HTML file. Open it, enter your numbers, and everything stays in your browser’s local storage. No cloud account, no bank links, no data uploaded to anyone.
Offline‑capable
Works without an internet connection once loaded.
You own the file
Export to PDF or JSON for backup and sharing.
Good to know
Questions, answered.
Is this a subscription?
No. It’s a one‑time purchase on Etsy. You download the file and own it — there are no recurring fees and no account to manage.
Is my financial data uploaded anywhere?
No. Your plan stays in your browser’s local storage unless you choose to export a backup file. Nothing is sent to a server.
Is this financial advice?
No. It is an educational planning tool that helps you model scenarios and understand your options. It does not provide personalised investment or tax advice.
Does it work for couples planning together?
Yes. Both spouses' ages, incomes and Social Security timing are modelled independently. The built‑in SS Optimizer searches all 81 claiming‑age combinations and recommends the split that maximises lifetime household income — weighted toward whichever spouse is likely to outlive the other.
Can I use it if I'm already retired?
Yes. A "Replan from today" mode lets you enter your current age and actual balances, and the planner re‑centres the projection from that point forward. It works equally well mid‑retirement as during the planning stage.
Does it support countries outside the US?
Yes. It models the US, UK, Canada and Australia — with local taxes, state pensions and healthcare built in — plus expat modes for those living elsewhere. Six currencies are supported (USD, GBP, CAD, AUD, PHP, THB), and US expats can model both home and host‑country tax regimes simultaneously.
Buy it once. Trust it for years.
Build a retirement plan you can question — and believe.
Chat with it. Stress‑test it. Print it. Own it.