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Good to knowFrequently asked questions
Everything you might want to know before you buy. Still stuck? Email dev@webnomad.com.
Buying & ownership
Is this a subscription?
No. Every product is a one‑time purchase on Etsy. You download the file and own it outright — there are no recurring fees, no renewals and no account to manage.
How is it delivered?
As an instant digital download through Etsy. After purchase you download a single self‑contained HTML file — there’s nothing to install and nothing shipped.
What’s the difference between the planner, the bundle and the Roth Optimizer?
The Planner v7 is the complete retirement income tool. The Roth Conversion Optimizer is a focused companion for minimising lifetime tax through Roth conversions. The Bundle includes both — for just $2.50 more than the planner alone. See the Products page for a full comparison.
Can I upgrade from an earlier version?
Yes. Export your plan as JSON from your current version and import it into a newer one to carry your numbers forward.
Privacy & security
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, and there are no bank connections.
Does it work offline?
Yes. Once the file is loaded, the planner works offline. (An internet connection is only needed if you choose to use the optional AI features or refresh tax‑rate research.)
Do I need to create an account?
No account, ever. You open the file and start planning.
The AI co‑pilot
Do I have to use the AI features?
No — the AI is entirely optional. The full planner works without it. If you do use it, it runs under your own API key, called directly from your browser.
Can I trust what the AI suggests?
The AI proposes specific numeric changes, then the planner runs them through its own deterministic simulator and shows you the verified result. You always approve a change before it’s applied — the math is never taken on faith.
Using the planner
Does it support countries other than the US?
Yes. It models the US, UK, Canada and Australia — including local taxes, state pensions and healthcare — plus expatriate residency modes and six currencies (USD, GBP, CAD, AUD, PHP, THB).
Can I share my plan with an adviser or partner?
Yes. Export a multi‑page PDF to share a readable report, or a JSON file that someone can import into their own copy of the planner.
What devices does it run on?
Any modern desktop or laptop browser. It’s a data‑rich dashboard, so a larger screen gives the most comfortable experience; an adjustable text size and high‑contrast theme help with readability.
Important to understand
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, tax or legal advice. Every figure is an estimate based on the values you enter — always consult a qualified professional before making financial decisions.
What’s your refund policy?
Because these are instant digital downloads, refunds follow Etsy’s policy for digital items. If something isn’t working, email dev@webnomad.com and we’ll help.
Still have a question?
We’re happy to help before or after you buy. Reach out and you’ll hear back from a real person.