Plan With Clarity

I built Plan With Clarity because I couldn't find a retirement planning tool that didn't want my bank login or try to sell me something. The ones I tried either asked for my credentials, pushed me toward an advisor, or made me fill in 250 fields before showing me anything useful.

So I built my own. It runs in your browser, your plan data stays on your device by default, and you don't need an account to start. You can see your retirement projection in about 60 seconds.

What's inside: A full retirement dashboard with year-by-year projections and a life phase spending model based on the Die With Zero philosophy. Monte Carlo simulation with 10,000 paths, Guyton-Klinger spending guardrails, and a historical backtest using actual S&P 500 returns going back to 1928. Side-by-side household planning for couples who retire at different ages. A withdrawal strategy optimizer with 2026 federal tax brackets, state income tax for all 50 states, the IRS Social Security taxation formula, and RMD tables. Estate planning with federal and state estate tax modeling, probate costs with bypass options, beneficiary allocation, and a Die With Zero alignment score that tells you if you're accidentally leaving too much behind. A Sankey cashflow diagram showing where your money comes from and where it goes. Healthcare and IRMAA modeling with 2026 CMS data for Medicare Parts B and D, Medigap plans, and all six IRMAA income tiers. A blended CAGR calculator with tax-aware account types and live stock and crypto price refresh. Twelve financial calculators covering everything from tax and mortgage to Roth conversion and lease vs buy. AI plan analysis powered by Claude that, when you ask for it, reads your plan and gives you a health score, strengths, risks, and specific action items. Scenario comparison so you can save plans and compare them side by side. And light, dark, and system theme options.

I'm a solo founder in Texas who retired at 56. I built the whole thing with Claude as my development partner. No team, no investors, no agenda. Just a tool I wanted to exist.

Free to use with no account. Premium is $9.99/month or $99/year, with a 14-day free trial and no credit card.