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Financial Planning for the Rest of Us

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.

Welcome to Your Sandbox

This isn't a rigid, linear form. It's an open sandbox built to let you test, tweak, and compare your assumptions for as many futures as you want to imagine.

Life, Modeled As It Actually Happens

Share the Plan, Not Just the Spreadsheet

Risk That Shifts As You Age

Every What-If, Side by Side

Step away from a single, straight-line growth assumption. Give any income, expense or property source its own start and end age.

Invite anyone you choose into your account. Once they're in, you're both looking at — and editing — the same scenarios.

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.

Build as many "what ifs" as you want — buy the house or don't, retire at 62 or 67. Model tradeoffs you can actually see, not just guess at.

Engineered for the Self-Directed

You already know the math; you just need the canvas.

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

Trace all results back to the assumptions that produced them, with rich graphical results to communicate them faster

YOUR Life Expense Choices

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YOUR Income Choices

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YOUR Debt Choices

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YOUR Selection(s)

Choices

Growth Rates

Risk Management (high-risk)

Low-risk CAGR %

High-risk CAGR %

YOUR Property Choices

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Filing Status

Deductions

Tax Projections

Your Assets

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Switch Account

Review Your Numbers

 

Plan Nickname

Assets

Savings Account

401K Account

IRA Account

Investment Account

Growth Rates

Risk Management (high-risk)

Credit

Last Resort Card

Give someone else access to every scenario in this account.

They'll be an equal admin — able to view and edit anything you can. We'll email them a verification code (or a plain notification if they already have an account); nothing changes for them until they accept.

Set your password

Someone shared their account with this email address. We sent a 6-digit code to confirm it's really you. Enter it, set a password, and choose whether to join their shared account or keep your own separate one.