Plan your retirement.
Together.
The only retirement planner built for couples. Model taxes, healthcare, Social Security, investments, and more — with separate scenarios for each partner.
Free account. Your data syncs across devices.
Net Worth Projection · Moderate Scenario
50+
Tax scenarios modeled
1,000
Monte Carlo simulations
60-year
Planning horizon
100%
Client-side privacy
Couples Planning
See your complete financial picture
Model each partner independently — different retirement ages, income streams, Social Security claiming strategies, and spending goals. Watch how your combined plan evolves year by year across conservative, moderate, and optimistic scenarios.
See all planning features →Projections · Per-Person Retirement Ages
Tax Breakdown · Federal + CA State · Roth Conversions
Tax Engine
Tax optimization that actually works
Federal + state tax brackets, Roth conversions, tax-loss harvesting, ACA subsidy optimization, and domestic partner vs. married filing jointly comparisons — all modeled in real time with auto-inflating brackets.
Explore the tax engine →Monte Carlo
Model every scenario
Run 1,000 Monte Carlo simulations to see the full range of outcomes — conservative, moderate, and optimistic. Model barista FIRE, state relocation, and custom what-if scenarios with interactive sliders. Reproducible seeds let you re-run the same simulation.
Learn about simulations →Monte Carlo · 1,000 Simulation Paths
Investment Properties · Rental Income + Depreciation
Advanced Planning
Investment properties, 529 plans, and more
Model rental property income with depreciation and passive loss rules. Plan for private school by grade level, 529 contributions, and college costs. Include student loans and EITC in your complete financial picture.
See advanced features →Built for real planning decisions
Used by couples navigating complex financial lives
Finally a tool that understands we have different retirement ages. I'm retiring at 60, my partner at 65 — and the plan handles that perfectly.
Alex M.
Software engineer, planning early retirement
The ACA subsidy optimization alone saved us tens of thousands. We didn't realize how much Roth conversions would affect our healthcare costs.
Jordan & Sam
Domestic partners, planning Barista FIRE
We use it to model different scenarios — what if we sell the rental property? What if we relocate to Texas? The Monte Carlo gives us real confidence.
Priya K.
Real estate investor, 10 years to retirement
Ready to plan your retirement together?
Free, private, and no account required. Start modeling your plan in minutes.
Free account. Your data syncs across devices.