# ActuaPlan

> Actuarial-grade retirement planning software. ActuaPlan stress-tests retirement plans across markets, household lifetimes, healthcare and long-term care, and multiple currencies using Monte Carlo simulation and institutional-grade actuarial methods. Built by a Fellow of the Society of Actuaries (FSA, CERA).

ActuaPlan is for serious DIY planners and global or cross-border households who need probability-based planning rather than single-point forecasts. Free to start, no credit card. Pro adds multi-currency and cross-border modeling and advanced simulation.

## Core pages
- [Home](https://actuaplan.com/): Product overview and value proposition.
- [Pricing](https://actuaplan.com/pricing): Free and Pro plans (Free $0; Pro from $144/year).
- [About](https://actuaplan.com/about): Who builds ActuaPlan and why.

## Free tools (ungated calculators)
- [Free Retirement Tools](https://actuaplan.com/tools): Index of free calculators.
- [Longevity Calculator](https://actuaplan.com/tools/longevity): Conditional life expectancy from official life tables (US, UK, Singapore).
- [Mortality-Adjusted Withdrawal Rate](https://actuaplan.com/tools/mortality-adjusted-withdrawal-rate): Safe withdrawal rates across 154 years of market history.
- [Guyton-Klinger Guardrails Backtest](https://actuaplan.com/tools/guyton-klinger-withdrawal-strategy): Guardrails spending vs the inflation-indexed 4% rule across historical start years.
- [Currency Risk Backtest](https://actuaplan.com/tools/currency-spending-backtest): How the 4% rule holds up when assets and spending are in different currencies.

## Insights (blog)
- [Insights](https://actuaplan.com/blog/insights): Evergreen retirement-planning guides and deep dives.
- [Does the 4% rule work outside the US?](https://actuaplan.com/blog/does-4percent-rule-work-outside-of-US): The 4% rule in non-US markets and currencies.
- [The 4% withdrawal rule meets longevity risk](https://actuaplan.com/blog/the-4percent-withdrawal-rule-meets-longevity-risk)
- [Sequence-of-returns risk in retirement](https://actuaplan.com/blog/sequence-of-returns-risk-retirement)
- [Longevity risk in retirement planning](https://actuaplan.com/blog/longevity-risk-retirement-planning)