Frequently asked questions

Yes — there’s a free interactive demo: the real planner pre‑loaded with a sample plan, running in your browser with no signup or download. Editing is disabled (it’s a restricted sandbox, not a functional planner), but every tab, chart and analysis tool is the genuine article, so you can judge the depth and clarity for yourself before spending anything.

No. Every product is a one‑time purchase. You download the file and own it outright — there are no recurring fees, no renewals and no account to manage.

Yes, at no extra cost. The planner is still actively worked on, and your original download link always serves the current version — go back to the thank‑you page you bookmarked after your purchase and download again. See Updates & Fixes for what has changed lately and how the planner has grown.

As an instant digital download. Checkout is handled securely by Stripe, and the moment you pay you land on your personal download page (Stripe also emails you a receipt). You download a ZIP containing the self‑contained HTML planner and its user guide — there’s nothing to install and nothing shipped.

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.

Yes. Export your plan as JSON from your current version and import it into a newer one to carry your numbers forward.

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.

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.)

No account, ever. You open the file and start planning.

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.

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.

You can choose from several: Anthropic (Claude), OpenAI, Google Gemini, OpenRouter, a local Ollama model, or any OpenAI‑compatible custom endpoint. You bring your own key (Ollama needs none and runs free on your own computer), and the planner remembers a separate key per provider. Anthropic (Claude) is recommended for the best results.

Yes. The quality of the AI’s answers — especially the specific, simulated plan‑editing proposals — depends on the model you choose. A more capable model gives more accurate, reliable analysis, so an Anthropic (Claude) key is recommended for serious strategy work. Smaller local models (via Ollama) are free and private but best suited to the “Learn the planner” how‑to mode. The planner auto‑detects each provider’s current models, so your list stays current without app updates.

Yes. It models the US, UK, Canada and Australia — including local taxes, state pensions and healthcare — plus expatriate residency modes and seven currencies (USD, GBP, EUR, CAD, AUD, PHP, THB).

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.

Yes. The planner keeps three named save slots so you can hold several versions — say a "retire at 62" plan beside a "retire at 65" one — and compare them side by side. Your work autosaves as you go, and undo/redo lets you experiment freely. For longer‑term archiving you can also export an unlimited number of JSON backups.

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.

A private, online, screen-share hour where I walk you through the planner and the concepts behind it, so you can set it up and read the results with confidence. It's educational instruction — not financial advice and no personalised recommendations. At the end of your first session you're given a code for 50% off every future session. See the 1-on-1 Sessions page and the session terms.

You pay securely through Stripe first, then pick a time — the session is confirmed once you choose your slot, and a Google Meet link is added automatically. If you don't book straight away, we email you the scheduling link so you can book later. Reschedule or cancel with at least 24 hours' notice for a full refund of the session fee (full details in the session terms).

Tax brackets, deductions and thresholds are inflation‑adjusted for each phase of your plan. You can refresh current‑year figures with the built‑in AI tax‑rate research prompt, and the in‑app help and educational content is AI fact‑checked and stamped with a "Last verified" date so you can see how recent it is. As always, confirm anything material with a qualified professional.

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.

If something isn’t working, contact us or email dev@webnomad.org and we’ll put it right. Payments are processed by Stripe, and refunds — including any consumer‑law cooling‑off rights that apply where you live — are honoured through the same checkout.