Retirement math,
finally honest.
The planner that works like a tax-savvy co-pilot — real tax law, every calculation shown, zero bank logins. From your first $1,000 to your last Roth conversion.
free forever plan · no card · no bank connection · nothing to import
This is you. Drag the sliders — no sign-up, no email.
Save the gap between take-home and spending, grow it at 5% real, and you cross your after-tax FI number in 29 years — 4 years before traditional retirement.
A taste, not the tool — the real engine computes your actual paycheck, state tax, and IRS limits.
Build the real one free →50
states' tax rules, applied for real
1871
every market since, backtested
1,000
futures per Monte Carlo run
0
bank logins. Your data stays yours.
The product
One plan, five rooms. Each answers a single question.
Every visit opens with a verdict in plain English
Not a dashboard of widgets — a briefing from your money co-pilot: where you stand, what changed, and the one thing worth doing next, with the IRS or state rule cited.
YOUR BRIEFING · TODAY
Good morning. You're on course for FI at 58 — 4 years early.
Nothing moved overnight — steady is the plan working.
NOTICED IN YOUR NUMBERS
Your state doesn't tax retirement withdrawals
verified state rule · cited to the section
Why RunwayFI
Built the way a tax pro thinks.
“Show your math” on every number
Other tools run years optimistic because they skip taxes — and hide how they compute. Every RunwayFI number expands into its derivation: your inputs, the computation, the IRS rule it came from. Trust is the feature.
26 U.S.C. §408A · 35 ILCS 5/203 · cited, not implied
Private by design
No bank logins, no data brokers, no ads. Type it, import a CSV, or snap a receipt.
Strategies, priced in dollars
Roth ladders, ACA bridges, withdrawal ordering — ranked by what each is worth to you.
Life-event planners
House, rental (Schedule E-ready), debt payoff, sabbatical — each priced against your runway.
Rules verified continuously
2026 brackets, FICA caps, contribution limits, RMD ages — re-verified as law changes, timestamped.
Free to plan. Pro to optimize.
Free
$0
- Full projection to 95, under real tax rules
- Briefing · Plan · My Finances · Track
- Show your math on everything
- One plan
Founding
$79/yr
Price locked for life. Available to new members only until June 30, 2027.
- Everything in Free
- 3 plans · Monte Carlo · Historical since 1871
- All strategies, priced in your dollars
- PlanPulse AI co-pilot · planners · Schedule E worksheet
Pro
$99/yror $13/mo
- Everything in Founding
- 100 PlanPulse messages + 5 Deep Scans a day
- Priority feature requests
less than an hour of a tax pro's time, for the whole year
Questions, answered
No — and you can’t. RunwayFI is manual by design: type your numbers, import a CSV from any bank, or snap a receipt and PlanPulse fills it in. Your credentials and transactions never leave your control.