A retirement planner that runs in your browser

It works on your data without sending it anywhere. The page loads over the web once — then every projection, tax calculation, and simulation runs locally, on your device.

“Offline retirement planner” is usually shorthand for a real worry: I don’t want my retirement numbers sitting on someone’s server. That is a reasonable thing to want, and it is worth being precise about what is actually possible on the web.

What “offline” can and can’t mean here

Any web app has to load. You need a connection to fetch the page the first time, exactly like opening any website. The meaningful question isn’t whether the page downloads — it’s what happens after it does. With retireclarity, once the page is loaded, the whole engine is already on your device. Editing a balance, running the Roth optimizer, or drawing a Monte Carlo fan doesn’t call back to a server, because the math is client-side JavaScript.

So the honest version of the promise is: it loads over the web, then it computes locally. Your plan is saved in your browser’s localStorage — it isn’t sent to us — and it persists there between visits until you clear it.

Closer to a spreadsheet than to a web account

Think of it like a spreadsheet you happen to open in a browser tab: the file lives with you, and the formulas run where you are. The difference is the engine behind it. Instead of wiring up your own tax tables and withdrawal logic, you get multi-account projections, a Roth conversion optimizer, Monte Carlo over about a century of market history, and federal plus all 50 states taxes — already built, and still running on your device.

How to verify it yourself

You don’t have to take our word for it. Open your browser’s developer tools, switch to the Network tab, and edit your plan. You’ll see the recompute happen with no request carrying your numbers out. That check works on any tool, not just ours.

Common questions

Does an offline retirement planner work without the internet?

You need a connection to load the page the first time, the same as opening any website. After it loads, all the modeling runs on your device — your numbers are computed in your browser, not on a server.

Where does my data go?

Nowhere. Your plan is saved in your browser's localStorage and isn't sent to us. There is no account and no server-side copy of your figures.

How is this different from a spreadsheet?

You keep the local-only privacy of a spreadsheet, but with a full engine behind it: multi-account projections, a Roth conversion optimizer, Monte Carlo, and federal plus all 50 states taxes — no formulas to wire up yourself.