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The math

The paid planning tools cost a total of $535 if purchased individually. The annual All-Access subscription is $149. That is a 72% discount, with the added benefit that every new tool released during your subscription is included automatically.

Most retirement decisions happen in cycles. RMD season, Roth conversion windows, contribution deadlines, year-end planning. The annual subscription matches that rhythm. The monthly option exists for visitors who prefer lower upfront commitment.

Built by a retirement specialist, not a marketer.

Eight years at Charles Schwab and TD Ameritrade as a retirement specialist. Tens of thousands of conversations with retirees, business owners, and advisors about the rules that move real money. The tools on this site exist because most retirement planning software either oversimplifies (free calculator) or overcomplicates (financial-advisor-only software). Neither helps someone trying to make the right decision for their own situation.

8 years

Retirement specialist experience

Charles Schwab & TD Ameritrade

Where the experience was earned

296 articles published

Specific retirement rules explained

Best Value

All-Access Annual

$149 /year

Billed annually. Cancel anytime.

Unlimited access to every paid planning tool.

Every new tool released during your subscription.

72% savings versus buying tools individually.

Subscribe annually

All-Access Monthly

$19 /month

Billed monthly. Cancel anytime.

Unlimited access to every paid planning tool.

Every new tool released during your subscription.

Lower upfront commitment than the annual plan.

Subscribe monthly

Cancel anytime. No questions. No retention emails. The Stripe portal handles it directly.

What you get with All-Access

Every paid planning tool, plus everything new as it ships. Unlock on any device via email magic link.

RMD & Roth Conversion Planner

$149 value

Year-by-year RMD projections and Roth conversion strategy analysis. The most comprehensive planning tool in the suite.

Small Business Excess Contribution Fix

$129 value

Correction plan for excess contributions to SIMPLE IRA, SEP IRA, or owner-only Solo 401(k). Identifies the pathway, calculates NIA, generates a personalized PDF with deadlines and IRS form references.

IRA Pro-Rata Calculator

$99 value

Backdoor Roth pro-rata calculations across all your Traditional IRAs. Avoid the surprise tax bill.

Excess Contribution Correction

$79 value

Step-by-step correction workflow for excess IRA contributions with penalty and earnings calculations.

Recharacterization Calculator

$79 value

Gain or loss-adjusted recharacterization amounts for Roth-to-Traditional moves before the deadline.

Also available: standalone checklists

Two one-time PDF checklists for specific decisions. These are separate purchases and are not included in the All-Access subscription.

Before You Fund a Solo 401(k)

$19 one-time

A ten-minute check before you fund. Covers the 25 percent trap, compensation base, deferral limits, the April 15 correction window, and the questions to ask your CPA.

Standalone PDF. Not part of All-Access.

Buy for $19

Medicare SEP Checklist

$19 one-time

A step-by-step guide to triggering your Medicare Special Enrollment Period. Documents to gather, deadlines that matter, and late-enrollment penalties to avoid.

Standalone PDF. Not part of All-Access.

Buy for $19

Frequently asked questions

Can I cancel anytime?

Yes. Cancel from the customer portal (link sent in your Stripe confirmation email) and you will not be charged again. Annual subscribers retain access until the end of their paid year.

What if I already bought a tool individually?

Your existing tool purchases stay yours for life. The All-Access subscription is a separate offering for new buyers who want unlimited access to the full suite. If you have already bought one or more tools, subscribing gets you the rest plus future releases.

How quickly do I get access after subscribing?

After your Stripe payment confirms, you can request a magic link on the subscription success page or by clicking "Have an All-Access subscription?" on any paid tool. The link unlocks every paid tool on that device for 30 days, and the 30-day window auto-refreshes every time you use a tool. Repeat the magic-link process on any other device or browser.

Do new tools cost extra?

No. Any new paid tool released during your subscription is included automatically. You get the same access as if you had subscribed today.

Are the free tools also part of this?

The free tools (RMD Calculator, Roth vs Traditional, Small Business Plan Selector, Inherited IRA Calculator) remain free for everyone. They are not behind the All-Access subscription. The All-Access subscription specifically covers the paid tools.

Is there a free trial?

No. Each paid tool has a preview/diagnostic mode that lets you see what the tool does before purchasing. Use that to evaluate fit. The All-Access subscription itself does not have a separate trial.

Ready to skip the per-tool purchases?

One subscription. All current tools. Every future tool. Annual billing recommended for the best value, monthly available for lower upfront commitment.

Subscribe annually: $149/year Subscribe monthly: $19/month

Every retirement planning tool, one price