Audit your spending in 2 minutes. Model your retirement with real IRS math. No spreadsheets, no guesswork — just clarity.
Everything you need to understand your money today and plan for tomorrow
Understand today
Upload your bank statement and get brutally honest insights about your spending in 2 minutes. Discover hidden subscriptions, spending patterns, and exactly how much you could save.
Plan for tomorrow
Model your complete retirement with Social Security optimization, pension income, tax-smart withdrawals, RMDs, and Medicare IRMAA — all in one projection that shows you the real numbers.
Powerful analysis that reveals the truth about your spending
Automatically categorize and analyze every transaction
Discover hidden subscriptions and wasteful spending patterns
See your financial health score with personalized recommendations
Get specific dollar amounts you can save every month
The only free retirement tool that runs actual IRS calculations
401(k), IRA, Roth, taxable, HSA — every account, one projection
Optimize your claiming strategy and model pension income
Bracket-filling, RMDs, IRMAA — real IRS math, not guesses
See year-by-year whether your money lasts through your lifetime
Quick answers to your biggest financial questions
Create a personalized debt payoff plan using the Snowball or Avalanche method and estimate how long it will take to become debt-free.
Compare paying down debt versus investing your extra cash flow to see which strategy builds more net worth over time.
Calculate your Financial Independence Retire Early number. See exactly when you hit Lean FIRE, FIRE, and Fat FIRE on a single chart.
Project your investment growth over time with compound interest
Estimate your monthly mortgage payment, total interest, and long-term equity growth based on home price, loan terms, and taxes.
Find out if refinancing your mortgage is worth it. See your monthly savings, exact break-even month, and lifetime interest comparison.
Simple, fast, and built for real decisions
Upload your bank statement and get brutally honest insights about your spending
Model your full retirement with Social Security, pensions, taxes, and RMDs
No sign-up required. Get clear answers to complex decisions immediately
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