Privacy-first retirement planning
Retirement math you can check yourself.
No bank linking, no referral fees, no products to sell. A complete planner across Monte Carlo, taxes, healthcare, and more, with every assumption exposed so you can change it and watch what moves. No black box, no green checkmark you are told to trust.
Built by a retiree who needed it himself. Retired at 56, built this to verify his own plan. No advisor upsell, no data sold.
A complete planner, panel by panel
A scrolling look at the tools you get. Every one exposes its assumptions, so you can change them and watch the numbers move.
One real run, every outcome shown
The 10,000-scenario Monte Carlo, the way you actually see it. Change any assumption and re-run to watch the whole range move.
A sample 10,000-scenario stress test. Not advice and not a prediction, one modeled range of outcomes.
See it in action
A quick look at what Plan With Clarity does and how the numbers come together.
“Clear, concise, informative and relevant content.”
“This dashboard and site has been a game changer. I am starting to think about what my retirement could look like. I plan on working for the next 15-20 years and this system has given me good data points and things I should be considering for taking the best steps to be able to retire when I want to. Thank you!”
More reviews on the way as Plan With Clarity grows.
What an honest plan handles
Eight kinds of math.
Retirement is not one calculation. It is a stack of hard, interacting problems, and a plan you can trust needs an honest answer to each one.
Sequence risk
The order returns arrive in, not just the average. The same long-run mean can pass or fail once you are drawing the portfolio down.
Monte Carlo
Thousands of return orderings instead of one smooth line. Up to 10,000 paths, plus a backtest on actual returns since 1928, shown in today's dollars.
Social Security
Eight claim ages and the COLA-aware breakeven between taking it early and waiting for a larger benefit.
Medicare and IRMAA
Six income tiers with a two-year lookback that can quietly raise your premiums years after the income that triggered it.
Roth conversions
The lower-income window between retiring and required distributions, where converting at today's rates can lower a lifetime of taxes.
Withdrawal strategy
A tax-aware drawdown with a spending floor and upside, using dynamic Guyton-Klinger guardrails rather than a single fixed rate.
Longevity
Planning to an age you are unlikely to outlive, not just average life expectancy, plus the odds that at least one spouse reaches their nineties.
Estate and legacy
State estate tax and the SECURE Act heir tax on inherited accounts, or a deliberate plan to spend it down.
Plus healthcare inflation, federal and state brackets, spousal coordination, and more.
Who it's for
This tool has a clear point of view, which means it fits some people well and others not at all.
- ✓ You have real assets across several account types and want to run the numbers yourself.
- ✓ You want to defend the assumptions behind your plan, not just see a green checkmark.
- ✓ You will not connect your bank or brokerage to a planning tool, on principle.
- ✓ You have outgrown the advisor sales process, or never trusted it.
- ✓ You think about retirement as a problem to solve, including how much to spend, not just how much to save.
You want a tool that auto-imports your accounts so you never type a number, or you want a human advisor to call after you run the plan. Those are reasonable wants. They are just not what this is.
How it's different
Most planners are free because they link your accounts to sell you something, or they funnel you toward an advisor. This one does neither.
No bank linking, ever
You enter your figures by hand. Nothing connects to an outside account.
Your data stays on your device
Browser-first by default. Encrypted cloud sync is optional, never required.
No upsell, no data sold
No advisor tier to climb, no referral fees, no monetizing your information.
Pricing
One plan, one price. Try it before you pay.
The first 100 members get year one for $49.50 instead of $99, on the annual plan.
Limited to 100 seats. Ends August 18, 2026.
- ✓14-day free trial, no credit card
- ✓One flat price unlocks every premium feature
- ✓No bank linking, no data sold, cancel anytime
Questions people ask
Do I have to connect my bank or brokerage?
No. Plan With Clarity never links to outside accounts. You enter your numbers manually and they stay in your browser by default. That is the core of how it is built.
Where does my data live?
In your browser by default. Cloud sync across devices is optional and encrypted, available only if you choose to turn it on. Nothing is linked, scraped, or sold.
Who built this?
A DIY investor who retired at 56 and built the tool to verify his own retirement math, then opened it up. There is no lead generation, no advisor sales funnel, and no selling of user data.
How is it different from Boldin?
Boldin is the most established tool and offers account syncing and human CFP access. Plan With Clarity never links accounts, has no advisor upsell, and costs less, while adding depth like a blended-CAGR engine and an actual-returns backtest.
How is it different from ProjectionLab?
ProjectionLab is also privacy-first and genuinely powerful, with Monte Carlo, historical backtesting, and strong Medicare and IRMAA modeling. Plan With Clarity costs less, offers a true monthly plan, and is built to hand you a clear answer quickly.
Is this financial advice?
No. It is a tool for running your own numbers. It does not recommend products, sell securities, or replace a professional where you need one. The math is yours to inspect and own.
I retired at 56. Before I did, I had to know the math actually held up, so I built this to check it myself.
I would not link my brokerage to anyone's server. I did not want a tool that was really a funnel to an advisor, or a quiet way to sell my data. Plan With Clarity does none of that.
Your numbers stay in your browser. The tool is the product. That is the whole idea.
Run your own numbers
Free for 14 days, no credit card and no account linking.
Start freeYour data stays in your browser. The tool is the product.