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No subscription paywalls.
No aggressive advisory cross-sells.
No linking your real bank or brokerage accounts — you enter what you know, encrypted at rest, never sold.
Just a premium, free mathematical sandbox built for the mass-market middle class.
Step away from a single, straight-line growth assumption. Give any income source its own start and end age — a new job, a mid-career sabbatical, Social Security kicking in whenever you actually plan to claim it, or a withdrawal that draws from one specific account and stops the moment that account runs dry.
Invite a spouse or partner into the same account. Once they're in, you're both looking at — and editing — the same scenarios, not trading screenshots back and forth.
Set your own growth-rate assumptions for the safer and riskier portions of your accounts, and let the actual split between them shift automatically as you age — an aggressive mix in your 40s easing toward something steadier as retirement gets closer, exactly the way a real portfolio would.
Build as many "what ifs" as you want — buy the house or don't, retire at 62 or 67 — and see every one of them overlaid on the same chart: net worth, cash flow, even total lifetime taxes paid, so the tradeoffs are something you can actually see, not just guess at.
You already know the math; you just need the canvas.
We believe self-directed planners should never have to take a single number on faith. Every year of every scenario breaks down into exactly what came in, what went out, and where it went — income by source, expense by category, dollar by dollar — so you can trace any result back to the assumption that produced it.
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