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
Same
inputs, same Resilience answer
0
bank logins. Your data stays yours.
The product
One plan, five rooms. Each answers a single question.
No mockups below: every number was computed by RunwayFI's production engine for Alex — a demo profile (30, $150K, single, Illinois). Your plan computes the same way, from your numbers.
Every visit opens with a verdict in plain English
Not a dashboard of widgets — a briefing: where you stand, what changed, and what's worth a look next. This one is Alex's, rendered by the same component the product renders.
Your briefingFinancial Independence (FI)Computed under 2026 law
Good morning, Alex.
Financial Independence at ≈46 — the day work becomes optional.
NOTICED IN ALEX'S NUMBERS
Alex's savings rate is 49% — the single biggest lever behind that FI age.
computed from the demo profile · 2026 rules
ALEX · DEMO PROFILE — 30 · $150,000 · ILLINOIS · computed by the real engine under 2026 rules
A runway, not a table
Accumulation climbs to the FI crossing, drawdown carries to 95. Drag Alex's spending and every number redraws — each step precomputed by the same engine that runs the product, so the answers stay honest and the response is instant.
Drag it — Alex's real plan, recomputed at every step.
RESILIENCE · REAL U.S. MARKET HISTORY
This plan survived all 107 historical market starts since 1871.
Every complete window in the Shiller dataset, replayed with Alex's plan. Hypothetical — past market results don't guarantee the future.
ALEX · DEMO PROFILE — 30 · $150,000 · ILLINOIS · computed by the real engine under 2026 rules
A one-minute daily loop, not a chore
Track opens on what's actually happening — money in, money out, and whether the plan is being lived. Alex's month, straight from the engine:
Alex's month · per month, 2026 rules
ALEX · DEMO PROFILE — 30 · $150,000 · ILLINOIS · computed by the real engine under 2026 rules
Nothing is a black box
Every computed number expands into its derivation — each line badged as an input, a computation, or a cited rule. Disagree with a line? Change it. This is Alex's actual 2026 breakdown:
FEDERAL + STATE + FICA · 2026 SINGLE FILER · ILLINOIS
ALEX · DEMO PROFILE — 30 · $150,000 · ILLINOIS · computed by the real engine under 2026 rules
Ask anything. It answers with your numbers.
PlanPulse is the co-pilot in the right seat — it presents what the engine computed, citations included. Here it answers from Alex's plan:
computed from Alex's demo plan · 2026 rules
ALEX · DEMO PROFILE — 30 · $150,000 · ILLINOIS · computed by the real engine under 2026 rules
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-style worksheet), 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
- Real Resilience and Historical results
- 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 · Resilience levers · Historical drill-down
- 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.