Free, private, browser-only. No signup, no server — your data never leaves this device.
What you can do. Project income, expenses, investment growth, illustrative federal taxes, and withdrawals across a configurable horizon. Compare scenarios side-by-side, record actuals year by year as life happens, and let an optimizer pick a tax-efficient withdrawal schedule.
How it works. Everything runs in your browser — the simulation, the optimizer, the charts. There is no server-side computation. Plans persist in this browser's localStorage so they're here when you come back.
Your data. No account, no server, no tracking of personal information. Export and import plans as JSON files you control. Clearing your browser data erases everything — nothing is kept anywhere else.
Educational tool — not financial advice.