Plans and pricing
Simple, honest pricing. One Pro pass covers both calculators for 30 days.
Free account
Free forever. No account needed for your own figures.
- Both calculators (Phase 1 and Phase 2)
- Your own figures and the years you plan for
- Years counted as plan years, ages or calendar years
- Inflation, and amounts in today’s money or each year’s
- Life goals: up to two, in Phase 1
- Download spreadsheet, and print or save as PDF
- Your figures are never kept, logged or tracked
- With a free account (email sign-in): open plan links someone sends you
Pro pass
30-day pass. Non-renewing, stackable.
- Everything in Free, and:
- Simulated markets: your plan in 2,000 markets, each with its own good and bad years
- Tax slabs: Indian slabs or US federal brackets, with losses carried forward
- What would it take?: the most you can spend a month, the least savings you need, and what closes a gap
- Bucket 3 asset mix glide path: move Bucket 3 to a safer mix, step by step
- Market slump: see what a slump in your first years would do to the plan
- From Phase 1 to Phase 2: carry your savings across, with the gains in them not yet taxed
- Saved plans and Compare: keep plans, pin one, and see any change side by side with it
- Lumpy Cash Flows: big costs and money coming in, in the years ahead (Phase 2); and up to twenty life goals (Phase 1)
Why a non-renewing pass?
Retirement planning is episodic: you plan intensely around key milestones or life changes, and revisit periodically. We do not believe in charging surprise recurring fees for software you might only use a few times a year. You buy 30 days of access; when it nears expiration, you can choose to extend it or return to the free tier.
When your pass ends
Nothing is billed and nothing is deleted: your account stays, free. We keep none of your figures, so the plans you saved stay in your own browser and open again whenever you have Pro. A plan's link still opens on a free account, with its Pro sections set aside. While the pass lasts, Download spreadsheet and Print keep a copy of any plan with its Pro figures: the tax year by year, every bucket's balance, and how often your savings last in the simulated markets.
All purchases are backed by our 7-day money-back guarantee.