AI Retirement Income Planner: Privacy-first, retirement income planner optional AI copilot

Most retirement software wants a monthly subscription, an account, and a copy of your most sensitive financial details sitting on someone else's server. That always felt backwards to me. A retirement plan is about the most personal thing you can model, and it should belong to you. So I built the opposite: a planner you buy once and own forever. It runs entirely in your own browser, stores nothing on a server, and needs no login or bank connection. But private doesn't have to mean shallow - it models the parts most calculators skip, including taxes, healthcare costs before and after Medicare, ACA subsidies, Social Security timing, Roth conversions, withdrawal order, RMDs, and stress tests, month by month across a multi-decade retirement and includes educational features and guardrails to help avoid common pitfalls.

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p/ai-retirement-income-planner

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22h ago

What features would you like to see in the planner?

The planner has an extensive list of features to help anyone feel more confident about their retirement income plans including plan health feedback and confidence scores. What additional features would help you feel more confident in your own plan?

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