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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
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.
Scores your plan against six recognised strategies — 4% Rule, Variable Percentage Withdrawal, 3‑Bucket, Floor & Upside, Guardrails and Monte Carlo — and highlights where your approach fits and where it diverges.
