Know your safe retirement age
Project income, taxes and net worth year by year, then pressure-test it with Monte Carlo and a historical backtest that shows your odds of not running out — pessimistic to optimistic.
Free · No sign-up · No bank login
See the year you can actually retire — and what breaks it.
Planomy projects your money year by year with real federal and state taxes, RMDs, Social Security and Medicare — then shows you which market, spending or timing assumption is the one that moves your date.
No account, no card, and nothing to connect. Your plan is saved in this browser, not on our servers — here's exactly what we do and don't store.
Came from a calculator or a guide? That gave you one number under one assumption. The planner turns it into a year — with federal and state tax, RMDs, Social Security and a bad first decade priced in. Or run another calculator first.
$0 for the whole planner
Every projection, scenario and calculator is free. Plus ($6/mo) only adds unlimited synced plans, bank sync and a bigger AI allowance.
You never have to link a bank
Type figures in, or import a CSV/OFX statement. Bank linking is an optional Plus feature that stays off until you turn it on.
Your plan stays in your browser
Local-first by default. Turn on sync and your plan is encrypted with your passphrase before it leaves the device.
How it works
A number you can trust, in three passes.
Most tools either track the past or project the future. Planomy connects the two, so the date it gives you keeps up with the year you're actually having.
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1
Answer five short stages
About you, money in, money out, tracking, savings and goals. A completeness score tells you how much the plan can be trusted so far — and you get a projected retirement year from stage one.
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2
Pressure-test the date
Run Monte Carlo, replay every market since 1928, compare withdrawal strategies and Roth conversion plans, and add life events. The scenario table shows what each change costs you.
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3
Feed it real life
Log or import your real transactions. Planomy diffs them against the plan and moves your milestone dates to match where you actually stand — so the projection never quietly goes stale.
Start at stage one — free
Stage one alone gives you a projected retirement year. No account, no card.
See it in action
The whole idea, in 70 seconds.
Plan, track, catch the drift, adjust — the short version of why a plan that never updates isn't a plan.
Features
Answers to the questions that actually keep you up.
Serious projection tooling with the discipline of a real budget — built to turn assumptions into decisions.
Catch drift before it derails the year
Set planned monthly categories, then import a statement file to fill in real transactions. A clear comparison shows exactly where you're drifting — while there's still time to adjust.
See the tax cost of every withdrawal
2026 federal and state brackets power tax-aware drawdown ordering, Roth conversions and lot selection — so you can spend down accounts in the order that keeps more.
Get real dates for the goals that matter
Emergency fund, a home down payment, financial independence — define each target and watch its projected date move as your real numbers come in.
Model the life events, not just the market
Phased retirement work, a housing change, family-care or education costs, a long-term care event, the year a pension or Social Security starts — drop them on the timeline and compare the resulting plans side by side.
Keep your finances on your device
Your plan is saved in this browser — no account, and nothing sent to us. Download a copy anytime, so your data is always portable and always yours.
Methodology
No black box. Here's what the engine actually models.
Planomy is new and has no user counts or star ratings to wave at you. What it has instead is a projection you can audit — so this is the mechanics, in full, including where it stops short.
Year by year, per account
Separate ledgers for cash, taxable, traditional, Roth and HSA balances. Contributions, growth, withdrawals and taxes resolve every year, over a horizon of up to 100 years.
Federal tax from a dated dataset
2026 ordinary and long-term capital-gains brackets, FICA and Medicare — loaded from a published, versioned tax file rather than hard-coded, so a bracket update is a data change.
State tax, 50 states and DC
29 of them carry full progressive brackets; the rest are modeled at a flat effective rate. The app tells you which kind your state is using rather than hiding the difference.
RMDs on the IRS tables
SECURE 2.0 start ages with the IRS Uniform Lifetime Table divisors from Publication 590-B, applied to traditional balances every year of the projection.
Social Security, claimed your way
A claiming-age explorer across the full 62-to-70 range, plus a benefit estimate built from your actual earnings history rather than a flat guess.
Medicare and IRMAA
Part B and Part D premiums with IRMAA surcharges keyed off the two-year MAGI lookback that actually triggers them — the thing a big Roth conversion quietly sets off.
Monte Carlo, 1,000-10,000 trials
Randomized return paths with percentile bands and a success probability, run in a background worker so a 10,000-trial pass doesn't freeze the page.
Historical backtest since 1928
Every rolling window of real US stock and T-bill returns and CPI-U inflation from 1928 to 2024 — replayed against your plan, not smoothed into one average return.
Withdrawal order and tax lots
Four named drawdown strategies compared side by side, with FIFO, LIFO, HIFO or lowest-tax-first lot selection on taxable sales, and Roth conversions by amount or fill-to-bracket.
And what it deliberately doesn't do
- No live market prices or holdings feed. Balances are what you enter or import — a deliberate local-first trade-off.
- State tax coverage is uneven: 29 states have full brackets, the rest are flat-rate approximations.
- It is not financial, tax or investment advice. Every figure is an estimate from assumptions you enter and can change.
Free calculators
Not ready for a full plan? Get one answer in seconds.
Focused, free tools for the big retirement questions — no signup. Run one now, then bring the numbers into your full plan.
How much do I need for financial independence?
Find the nest egg that makes work optional — and when you'll hit it.
Open calculatorHow long will my savings last?
Stress-test a withdrawal rate to see when the money could run out.
Open calculatorWhen should I claim Social Security?
Compare claiming at 62, full retirement age, or 70 — and the break-even.
Open calculatorIs a Roth conversion worth it?
Weigh the tax you pay now against the RMDs and IRMAA you avoid later.
Open calculatorHow will my money compound?
See how contributions and returns snowball over the decades.
Open calculatorWhen will my mortgage be paid off?
See how extra payments shorten your loan and cut total interest.
Open calculator
Guides
Understand the strategy before you commit to it.
Plain-English, US-focused explainers on the decisions behind a good retirement plan — free to read, no sign-up.
What is a safe withdrawal rate?
Where the 4% rule came from — and why "safe" really lives between 3.5% and 4.5%.
Read the guideThe Roth account conversion ladder, explained
Move money to a Roth account one tax bracket at a time, and why the gap years are the golden window.
Read the guideWhich accounts to draw down first
The taxable → traditional retirement → Roth account order — and the real reasons to break it.
Read the guideHow to calculate your 401(k) employer match
What "50% of the first 6%" pays on your own salary — and the per-paycheck trap that ends the match early.
Read the guideHSA contribution limits and rules
The 2026 limits, why the employer's share eats your own room, and the 20% tax on a non-qualified withdrawal.
Read the guideHow capital gains tax is calculated
Basis, the one-year holding period, and the stacking rule behind a 0%, 15% or 20% rate on the same sale.
Read the guide
Still comparing tools
Not sure Planomy is the right one? Read these first.
Honest head-to-heads and category guides, each with a section on who Planomy is not for. We would rather you picked the right tool than picked ours.
Best retirement planning software in 2026
The five shapes the market comes in, and the four questions that decide which one you need.
Compare the categoryA free retirement planner with no sign-up
What "no account" actually means here — and what staying signed out costs you.
See what's freeRetirement spreadsheet vs planning software
Everything you'd have to build by hand — and the four cases where the spreadsheet still wins.
Weigh it upPlanomy vs Boldin (formerly NewRetirement)
Cloud account and human help versus local-first and free. Where each one genuinely wins.
Read the comparisonPlanomy vs ProjectionLab
The two tools FIRE planners shortlist: bridge years, conversion ladders and who should pay.
Read the comparisonPlanomy vs Empower Personal Dashboard
A projection engine and a balance aggregator are different products. Three questions a dashboard can't answer.
Read the comparisonA retirement planner that works offline
Why almost nothing in this category runs without a connection, and how to test the claim in a minute.
See what works offline
Your data
It's a money app. Here's exactly where your numbers go.
By default: nowhere. Planomy is local-first — your plan is stored in this browser and is not sent to our servers unless you turn on cloud sync. If you do, it's encrypted in the browser with your passphrase first, so what we hold is a blob we can't read.
- No account needed to use the full planner.
- Optional sync encrypts your plan before it leaves the device.
- Download and restore your full plan anytime — always portable.
- We don't sell planner data, and there are no ad trackers.
The two exceptions, stated plainly: the AI assistant sends your question to us to answer it, and an optional linked bank (Plus only) stores those transactions on our server in readable form — your bank credentials go to Plaid, never to Planomy. Both are opt-in, and both are spelled out in the privacy policy.
Pricing
The planner is free. Nothing is behind a trial.
Every projection, scenario, stress test and calculator is free with no account and no card. Plus changes exactly three things: how many plans sync, how many assistant messages you get, and whether you can link a bank.
Available now
Free
$0
forever, no account
Everything you need to plan, projected right in your browser.
- Projections, charts, scenarios & stress tests
- Track spending against your plan & import transactions
- Every free calculator
- Goals, life events & downloadable plan copy
- Optional free account: 1 synced plan, plan sharing, check-in reminders, 5 assistant messages a week
Plus
Plus
$6
/ month · $60/yr
Everything in Free, plus unlimited synced plans, more assistant messages and bank sync.
- Unlimited synced plans across devices
- AI plan assistant — tops up to 50 credits monthly
- Optional bank sync via Plaid
- Priority support · launch pricing
FAQ
The questions people ask before they start.
Money, data, bank connections, and how long this takes.
Do I have to connect my bank?
No. Bank linking is off by default and isn't needed for any part
of the projection — type your figures in, or import a CSV or
OFX/QFX statement file. If you do want linked transactions,
that's a Planomy Plus feature that uses Plaid: your bank
credentials are entered with Plaid and are never seen or stored
by Planomy. We tell you before you connect that those linked
transactions are stored on our server in readable form rather
than end-to-end encrypted like the rest of your plan, and you
can disconnect at any time.
Where does my financial data live?
In your browser. Planomy is local-first: your plan is stored in
this device's browser storage and isn't sent to our servers
unless you turn on cloud sync. If you do, your plan is encrypted
in the browser with your passphrase before upload, so we receive
an encrypted blob rather than your numbers. You can download
your whole plan as a file at any time. Full detail is in the
privacy policy.
How much does Planomy cost?
The full planner is free forever — no account and no credit
card. An optional free account adds 1 synced plan, plan sharing
and check-in reminders. The AI assistant uses message credits
(1 credit = 1 message): signed-in free accounts get 5 every
week, and you can buy more packs anytime. Planomy Plus is
$6/month or $60/year (introductory launch pricing) and changes
exactly three things — unlimited synced plans instead of 1, a
top-up to 50 assistant credits a month, and optional bank sync
via Plaid. See the
pricing page
for the full comparison.
How long before I get a useful answer?
A guided setup walks you through five stages — about you, money
coming in, money going out, tracking reality, savings and goals
— and scores how complete your plan is as you go. You get a
projected retirement year out of the first stage; the rest
sharpen it. You can also start from a filled-in sample plan and
edit it into your own.
Can I use Planomy on more than one device?
By default your plan lives on a single device, and you can move
it anytime by downloading and restoring a copy. Optional
encrypted sync — your plan is encrypted before it leaves your
device — keeps the same plan on multiple devices without
exposing your numbers to anyone, including us.
Is this financial advice?
No. Planomy is a modeling tool, not financial, tax or investment
advice. Every figure is an estimate produced from assumptions
you enter and can change — which is why the
methodology
is written out rather than hidden behind a single score.
Find out what year you can retire.
Free, private, and running in your browser in seconds. No account, no card, nothing to connect.
Open the planner