The full calculator is always free. Upgrade for the tools that serious planners rely on.
The full projection engine, completely free.
Scenario saving, PDF reports, and advanced tools. For people who plan seriously.
Built for financial advisors running projections for clients at scale.
| Feature | Free | Pro | Advisor |
|---|---|---|---|
| Core Calculator | |||
| Full lifetime projection (age → 100) | ✓ | ✓ | ✓ |
| 8 account types | ✓ | ✓ | ✓ |
| Custom growth rates per account | ✓ | ✓ | ✓ |
| Withdrawal draw-order prioritization | ✓ | ✓ | ✓ |
| Social Security + COLA modeling | ✓ | ✓ | ✓ |
| Pension / annuity income | ✓ | ✓ | ✓ |
| Inflation-adjusted spending | ✓ | ✓ | ✓ |
| 2025 federal tax engine (single + MFJ) | ✓ | ✓ | ✓ |
| State tax layer | — | Soon | Soon |
| Charts & Visualization | |||
| Total assets over time chart | ✓ | ✓ | ✓ |
| Stacked asset breakdown with annotations | ✓ | ✓ | ✓ |
| Income timeline (3 view modes) | ✓ | ✓ | ✓ |
| Growth to retirement chart | ✓ | ✓ | ✓ |
| Export & Reports | |||
| Excel export (data + charts) | ✓ | ✓ | ✓ |
| PDF report export | — | ✓ | ✓ |
| White-label branded PDF reports | — | — | ✓ |
| Bulk export (all clients) | — | — | ✓ |
| Scenarios & Planning | |||
| Saved scenarios | — | ✓ | ✓ |
| Side-by-side scenario comparison | — | ✓ | ✓ |
| Client management dashboard | — | — | ✓ |
| Experience | |||
| Account required | No | Yes | Yes |
| Team seats | — | — | 5 included |
| API access | — | — | Soon |
| Priority support | — | ✓ | ✓ |