Retirement planning, minus advisor fog

See retirement path. Stress test it. Ask AI what to do next.

Original retirement planning app with deterministic projections, Monte Carlo testing, tax-aware withdrawal logic, advisor-ready reports, and optional PPQ-powered AI chat that reads your saved plan.

Open planner Open AI coach

Tracks assets, spending, Social Security, pensions, debt, Roth conversions
Runs deterministic + Monte Carlo retirement survival math
Can generate advisor notes, checklists, and simple files from chat

Plan status—

Success rate—

Retirement portfolio—

Income gap—

Projection path

Math

Deterministic core + Monte Carlo

Base path plus probability stress test from sampled return volatility.

Withdrawals

Tax-aware drawdown waterfall

Uses taxable, cash, pretax, Roth, HSA, plus rough RMD and Roth conversion logic.

AI

Plan-aware chat and files

Frontend sends saved plan context to AI. AI can answer and draft downloadable files.

Planner

Retirement command deck

Import JSON

Plan status—

Enter numbers. App do math.

Retirement age—

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Projected portfolio at retirement—

—

Estimated annual gap—

—

Monte Carlo success—

—

Tax drag first retirement year—

—

Profile & assumptions

Current age Retirement age Life expectancy Inflation % Investment return % Return volatility % Income growth % State Filing status Monte Carlo runs

Assets & contributions

401(k) / 403(b) Roth IRA Taxable investments Cash savings HSA Home value Mortgage balance Other debts Annual retirement contributions Employer match Annual taxable investing Annual HSA contributions

Income & retirement cash flow

Your salary Spouse salary Side income Rental / other income Annual pension Social Security at age 67 Claim Social Security age Part-time retirement income Annual Roth conversions Target advisor review fee

Spending & goals

Current annual spending Target retirement spending Annual healthcare in retirement Annual housing in retirement One-time future expense One-time expense age Desired legacy / cushion Emergency cash floor Downsize age Net downsize proceeds

Projection path

Portfolio through retirement

No result yet

Base portfolio Spending need

Stress test

Monte Carlo band

Allocation

Current liquid buckets

Recommendations

Best next moves

Advisor memo

Local recommendation layer

Scenario lab

Compare what-ifs

Annual view

Cash flow snapshot

Swipe sideways on smaller screens to view the full table.

Age	Portfolio	Income	Tax	Spending	Withdrawal

Advisor funnel

Turn plan into consultation lead

Open report

Why book review

Human review for retirement pressure points

Claim age timing
Retirement date tradeoffs
Roth conversion windows
Sequence-risk stress points
Tax drag and drawdown order

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Suggested review fee from planner settings. Good for premium consult CTA.

Lead capture

Request review

Name Email Biggest retirement question

No backend lead DB. Saves locally. Email action opens mail app with summary.

Advisor-ready brief

Shareable summary

AI coach

Chat with plan-aware AI

Checking AI...

Model config

PPQ setup

Save generated files on server

Generated files

AI-created artifacts

Printable report

Retirement snapshot

Back to planner

Summary

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Key metrics

Advisor memo

Top recommendations

Projection table

Swipe sideways on smaller screens to view the full table.

Age	Portfolio	Income	Tax	Spending	Withdrawal