Compare plans
Both plans run the same simulation engine. Pro adds features for couples, cross-border households, and deeper analysis.
| Free | RecommendedPro | |
|---|---|---|
| Simulation | ||
| 10,000-path Monte Carlo | ||
| Longevity distribution modeling | ||
| Inflation-aware projections | ||
| Spending | ||
| Multi-phase spending (go-go, slow-go, no-go) | ||
| Withdrawal rules (fixed, percentage, Guyton-Klinger) | ||
| Life events and one-off expenses | ||
| Portfolio | ||
| Bootstrap historical returns | ||
| Major account types (401k, IRA, Roth, taxable, RRSP, ISA, and more) | ||
| Taxes and pensionsBeta | ||
| Country tax, payroll, and public pensions (US, Canada, UK, Germany, Singapore, Malaysia) | ||
| Fixed-spot multi-currency inputs | ||
| Healthcare | ||
| Medical cost modeling | ||
| Basic LTC modeling | ||
| State-based LTC (home, assisted living, nursing care) | ||
| Couples | ||
| Joint-life longevity | ||
| Per-member income, spending, and accounts | ||
| Cross-border | ||
| Multi-country tax timelines | ||
| U.S. person abroad overlay (FEIE, FTC)Beta | ||
| Stochastic FX risk modeling and currency exposure diagnostics | ||
| Advanced markets | ||
| Custom asset classes | ||
| Custom return models (Normal, Student-t) | ||
| Custom assumptions per asset class | ||
| Multiple portfolio strategies and glide paths | ||
| Cash reserve modeling | ||
| Optimizers and analysis | ||
| Social Security claiming-age optimizer | ||
| What-if and sensitivity analysis | ||
| Reports and support | ||
| PDF reports | ||
| Share links | 3 | Unlimited |
| Priority support (24-hour) | ||
| Capacity | ||
| Saved plans | 1 | Multiple |
| Income streams | 3 | 20 |
| Asset accounts | 5 | 25 |
Ready to stress-test your retirement?
Pro is for planners who run multiple scenarios, model their full financial picture, and want to know what would actually change the outcome.
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