Most retirement tools are too simple to trust or too complex to finish. Plan with Clarity sits in the middle. What makes it different: Monte Carlo (1,000 runs), blended CAGR across your real asset mix, pension with COLA, RSU/PSU vesting center, pre-Medicare health insurance, 8 financial calculators, print to PDF on every panel. Free. No account. No bank linking. Data never leaves your device. Works on desktop and mobile.