Subscribe

Start free, save a model when you register, and subscribe for the full advanced strategy analysis.

• Guest

  Your tier

  Free no sign-in

  Try the model with your own data or the demo data.

  Try it with demo data
  • Enter your own numbers or load the demo data
  • Nothing is saved (0 models)

• Registered

  Free complimentary

  Save your model and come back to it any time.

  Sign in or register (free)
  • Everything in Guest
  • Save 1 named model and reopen it any time
  • Sign in with a one-time email code — no password

• Subscriber

  7-day free trial

  $12.95 per month

  Full access to the advanced strategy analysis.

  Register to start your free trial

  Then $12.95/month · cancel anytime. Registration required.

  • Everything in Registered
  • Save up to 10 models
  • Maximum-spending solver — the highest sustainable spending your model supports.
  • Side-by-side strategy comparison — every withdrawal strategy scored on the same inputs.
  • A/B Optimization — searches the withdrawal levers for the strategy that best serves your goal.
  • First-death / survivor modelling — quantifies the “widow’s penalty” when one spouse dies.
  • Roth conversion “what if” — fills the bracket with conversions and shows the effect on lifetime tax, RMDs, and legacy.
  • Mortgage payoff “what if” — compares paying your mortgage on schedule against a lump-sum payoff, weighing interest saved against the tax cost of the withdrawals that fund it.
  • Monte Carlo success probability — reruns your model across 1,000 randomized market paths and overlays 10th–90th percentile bands on the portfolio chart, with your odds of funding every year.
  • PDF & Excel export — download any model as a formatted PDF report or a full Excel workbook, including the mortgage payoff comparison and long-term-care detail.