Free
Anyone trying the engine
$0
Sketch a real year-by-year plan.
- Cash-flow sketch for one household
- 1 scenario, 2 accounts, 2 goals
- 3 what-if sliders
- One watermarked Monte Carlo
- One watermarked PDF
Owl Planner
See the years.Change one number.
Cash, tax, Medicare, Roth, and RMDs in one workspace. Start free. Upgrade when the engine is doing real work.
Educational software — not advice.
Workspace
Cash, tax, and Medicare on one ledger
87
Lifetime tax
$412k
IRMAA years
3
First RMD
75
01
Sketch
Name, money, income, spend. Rough numbers are enough.
02
Watch the path
Cash, tax, and Medicare move together when you change an assumption.
03
Go deeper
Unlock Roth, IRMAA, Monte Carlo, PDF, and Ask Anything when you need them.
Plans
Free is a real sketch. Paid unlocks the parts that cost compute.
Pro
Usual pickDIY planners who want the full engine
$12/mo
Unlock tax, Roth, RMDs, and Ask Anything.
- 8 scenarios, unlimited accounts & goals
- Federal tax, IRMAA, Roth conversions, RMDs
- Unlimited Monte Carlo and PDF export
- Estate / legacy and education planning
- Ask Anything on your own numbers
Family
Couples and multi-person households
$18/mo
One workspace for the household.
- Everything in Pro
- Unlimited scenarios
- Multi-profile household planning
- Business succession tools
- Shared workspace for the family
Advisor
Planners working more than one household
$49/mo
Client roster, firm mode, professional export.
- Everything in Family
- Client roster and firm mode
- White-label PDF
- Compliance review notes
- Work across many households
Questions
How the numbers are built
Compounding, inflation, COLA, tax brackets, Medicare IRMAA, RMDs — in plain language.