Run thousands of market scenarios against your real tax situation. Optimize Social Security timing, Roth conversions, and withdrawal order — all in one place.
Up to 2,000 randomized market scenarios per run with regime-switching bull/bear returns and correlated inflation.
Progressive federal + state taxes, Roth conversion bracket filling, IRMAA surcharges, AMT, capital gains stacking, and NIIT.
Graduated, flat, and no-tax states with accurate brackets, standard deductions, SS taxation flags, and retirement income exemptions.
Fan charts, Sankey cash flow diagrams, net worth breakdowns, tax rate timelines, and bracket waterfall visualizations.
Side-by-side "what if" analysis. Change retirement age, spending, state, or strategy and compare outcomes instantly.
AES-256-GCM encryption at rest. Your financial data is encrypted with your password and never shared. No ads, no tracking.
Income, accounts, spending, state of residence. A guided wizard walks you through it.
The optimizer tests thousands of strategy combinations across Social Security ages, brackets, and withdrawal orders.
Interactive charts, downloadable spreadsheets, and a summary report with your optimal strategy.