Private Retirement Planner

A full retirement planner with no account to create. Your plan is saved in your browser, and every projection, tax calculation and simulation is computed on the device you are reading this on.

Where the plan is kept

In your browser’s localStorage, under this site’s own origin. That is a store the browser keys to one site in one browser profile on one device: another browser on the same laptop cannot read it, and neither can another site. There is no account, no login screen and no password anywhere in the app, because there is no server-side record for a login to unlock.

The practical consequences run both ways. Clearing this site’s browsing data removes the plan, and Safari keeps site data for only about a week between visits — the app offers to email you a backup, and says so more insistently on Safari and iOS. Equally, a plan you build on your laptop is not waiting for you on your phone: each browser holds its own, and the backup email is how a plan moves between them.

What your browser computes

All of it. The projection engine, the tax tables, the Roth conversion optimizer and the Monte Carlo simulation are JavaScript that ships with the page and executes in your browser — the two heavy searches run on a background thread there rather than a machine of ours. An open tab keeps computing with the connection gone; reloading the page needs one.

That covers year-by-year projections across cash, brokerage, tax-deferred and Roth accounts; federal and all 50 states income tax; required minimum distributions; IRMAA surcharges and ACA premium tax credits; the 10% pre-59½ penalty and its Rule of 55 and 72(t) exceptions; and the net-worth history on the Progress page.

The short list of what ever leaves the browser — a backup you email yourself, opt-out usage counts, crash reports, the feedback form — is the privacy policy, which names every company that receives anything.