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. Every tool out there either asks for your credentials, pushes you toward an advisor, or makes you fill in 250 fields before showing you anything useful.

So I built my own. It runs in your browser, your data stays on your device, 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 plus a historical backtest using actual S&P 500 returns going back to 1928. A withdrawal strategy optimizer that runs Monte Carlo simulations with real 2026 federal tax brackets, state income tax for all 50 states, the IRS Social Security taxation formula, and precise RMD tables. Estate planning with federal estate tax modeling, probate costs by state, 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 exactly 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 reads your entire 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 recently retired solo founder in Texas. Built the whole thing with Claude as my development partner. The app is a single-file React 18 app deployed on Netlify. No team, no investors, no agenda. Just a tool I wanted to exist.