Home › Features
Comprehensive by designA deterministic, month‑by‑month engine wrapped in a broad set of income, tax, healthcare and risk tools — for US and expatriate scenarios — with optional AI guidance and deep built‑in education.
Behind every figure is a reason. Click any badge or info dot to see exactly why a number is what it is — the bracket it fell into, the rule that applied, the assumption behind it. Confidence comes from understanding, not from being told to trust the math.
Plain‑English explanations sit beside every result. A searchable A–Z glossary, concept primers, contextual help and curated tutorial videos turn confusing acronyms — IRMAA, ACA, RMD, NIIT — into things you actually understand.
Built for international and cross‑border families. Every calculation updates instantly in your chosen currency — with local taxes, Social Security and healthcare rules built in for the US, UK, Canada and Australia, plus expatriate residency modes.
Switch the whole look to suit your eyes and your room. Dark mode, a high‑contrast theme and adjustable text keep long planning sessions comfortable — and it’s WCAG‑AA throughout.
Conditional features appear only when relevant to your currency, residency and filing status — so the tool stays clean.
Most "AI" tools give you answers from training data. This co‑pilot generates specific numeric proposals, then runs them through the planner's own deterministic calculation engine to produce a verified result — before you ever see it. Three automatic retry attempts find a solvent solution if the first pass fails.
Questions people ask the AI
The AI co‑pilot and the “Learn the planner” guide aren’t tied to one company. Choose the AI provider you already use — or run a model entirely on your own computer for free. You bring your own key, so usage is billed to you by that provider (never by us), and the app remembers a separate key per provider.
Recommended for the best results — the proposal engine is tuned for Claude‑class models. Use your own Anthropic API key.
Use GPT‑4o and other OpenAI chat models with your own OpenAI API key.
Use Gemini 2.5 Pro / Flash and more with your own Google AI Studio key.
One key, hundreds of models from many providers — handy for comparing options.
Run an open model on your own machine: free, fully private, no API key, and nothing ever leaves your computer.
Any OpenAI‑compatible endpoint (LM Studio, Groq, Together and others) via a base URL.
A note on model quality
The quality of the AI’s answers — and especially the specific, simulated plan‑editing proposals — depends on the model you choose. A more capable model gives more accurate, reliable analysis, which is why an Anthropic (Claude) key is recommended for serious strategy work. Smaller local models (via Ollama) are free and private but less reliable at the structured reasoning the proposals rely on — they’re best suited to the “Learn the planner” how‑to guide. The planner automatically detects each provider’s current models, so your list stays up to date without app updates.
Alongside the main engine you get a set of quick stand‑alone calculators and currency tools — no extra downloads, no separate apps.
See what today’s money is really worth years from now — so you plan in figures you can actually feel, not just headline numbers.
Check how much more income you can take before the next bracket kicks in — for Single or Married‑Filing‑Jointly, in clear green‑to‑red headroom.
A fast sanity check on sustainable spending from a given balance — a quick second opinion before you dig into the full simulation.
Convert inline across all seven supported currencies, with exchange rates fetched live — or override them with your own and revert to live in one click.
Don’t guess which way to draw down your savings. Run your numbers through six well‑known approaches — the 4% Rule, Variable Percentage Withdrawal, the Three‑Bucket method, Floor & Upside, Guardrails, and a Monte‑Carlo‑informed approach — and see how each one actually performs against your income target and portfolio longevity.
The six strategies
After every change, evidence‑based benchmarks score your plan and tell you exactly what to improve — with a plain‑English explanation for each.
Checks that projected withdrawals cover your spending target in every phase, accounting for inflation, income changes and the gradual depletion of balances over time.
Flags if income is landing in a higher bracket than necessary, or if there's headroom to do Roth conversions at a lower rate before the next threshold kicks in.
Warns if your MAGI is on track to push you above the ACA income cliff and lose premium tax credits in the pre‑Medicare years — where the subsidy drop can be sudden and large.
Checks whether income is likely to trigger Medicare Part B and D surcharges, which apply with a two‑year lookback — so the financial hit arrives earlier than most people expect.
Confirms balances are projected to reach your plan end date without depleting, in both the base case and a silent bear‑market stress scenario run alongside it.
From age 73, verifies that required minimum distributions from tax‑deferred accounts are reflected in withdrawals — helping you avoid the 25% IRS penalty for under‑distribution.
Assesses whether guaranteed income (Social Security, pension, annuity) covers essential spending, so portfolio withdrawals provide the top‑up rather than bearing the full load.
Runs a silent bear‑case scenario (−3% real returns, 5% inflation) alongside your main plan and checks whether the result remains solvent — without any extra steps from you.
Models the income drop after the first spouse's death — including loss of the smaller Social Security benefit and single‑filer tax brackets — to surface "widow's tax cliff" situations before they happen.
Flags any pre‑Medicare phase sitting just under a hard ACA threshold — the 250% FPL Silver cost‑sharing ceiling or the 400% FPL subsidy cliff — where unplanned income (dividends, interest, year‑end fund distributions) could tip your MAGI over and forfeit cost‑sharing or the whole premium subsidy.
When you set a target monthly income on the My Goals card, this checks that every phase delivers at least that much in today’s dollars — and, if a phase falls short, points you to it with the gap to close.
When you set a final‑balance goal, this checks whether the portfolio projected at the end of your plan meets the amount you want to leave behind — and shows how far short it falls if not.
For couples, set the share of today’s income your surviving spouse should keep — say 70% — and the plan grades whether the survivor’s projected income meets it after the first death, when one Social Security check is lost and single‑filer tax brackets kick in.
Every goal you set — income, legacy, income floor and survivor spending — appears together in one panel as a simple Met / Not Met badge, so you can see at a glance which targets your plan already hits and which need attention.
Every version includes everything before it, plus its own additions — from the core single-filer model in V1 up to the complete, AI-assisted V7.
Want to know if it fits your situation? Contact us →
