planwithclarity.app
Privacy-first retirement planning with AI analysis — no bank
Details
- Categories
- AIFintechEducation & Learning
- Use Cases
- Analytics & ReportingData Analysis
- Target Audience
- Financial PlannerPrivate persons
- Pricing
- Freemium from $9.99
- Featured in
- Best Tools for Financial Planner
About planwithclarity.app
The planwithclarity.app is a privacy-first retirement planning tool built for people who actually think about retirement - not a lead-gen funnel disguised as a calculator. The problem: Most retirement planning tools either require you to link your bank accounts or charge $12+/month for basic features. They want your credentials, your data, or both. And none of them let you explore the tool before creating an account. What makes Plan With Clarity different: No bank account linking - ever. Your financial data stays on your device by default. No account required to explore the full free tier. Zero ads, zero financial product agenda. What's inside: The Dashboard gives you a complete retirement projection with year-by-year spending, income streams, life phase spending curves (inspired by Die With Zero), and sustainable withdrawal rate analysis across 5 tiers. AI Plan Synopsis analyzes 20+ variables from your plan and returns a health score (0-100), strengths, risk flags, and specific action items - powered by Claude AI. Monte Carlo Stress Tester runs 10,000 market simulations plus 8 recession stress scenarios including 2008 crisis, dot-com crash, COVID crash, stagflation, and more. Blended CAGR Calculator computes your true weighted average return across all your investments with live stock and crypto price refresh. Scenario Comparison lets you save your plan, change assumptions, save another, and compare them side by side with color-coded differences. Plus: Social Security Breakeven analysis, RSU/PSU vesting center, expense tracking with 12 categories, income and expense timeline, portfolio snapshots, retirement readiness scoring, and 12 financial calculators (tax, mortgage, car, college, 401K, Roth conversion, and more). Built by a retiree, for retirees. The founder retired at 56 and built this tool to plan his own retirement. It started as a personal project and became a full SaaS product now used by people in 14+ countries. Pricing: Free tier available with no account required. Premium starts at $9.99/month or $99/year with a 14-day free trial - no credit card required.
Product Insights
This privacy-centric fintech tool enables retirement planning through local data storage and AI analysis on web and mobile platforms. It combines manual data entry with sophisticated simulation features like Monte Carlo testing and Claude AI plan scoring without requiring bank account linking.
- Privacy-first architecture stores financial data directly on the user device instead of cloud servers.
- Integrated Claude AI analyzes over 20 variables to provide health scores and risk flags for retirement plans.
- Monte Carlo simulator runs 10,000 market simulations and 8 historical recession stress tests.
- Freemium pricing model allows full exploration of basic features without creating an account.
Ideal for: Financial planners and private persons who want to simulate retirement readiness and withdrawal rates without compromising privacy through bank data linking.
Product Video
Watch a video demo of planwithclarity.app.
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Comments (3)
Checking this out
@derekdunn5 awesome let me know your thoughts after visiting
Privacy-first retirement planning with AI is a great combo. No bank connections needed is a big plus!
@chaudharyarun5797 appreciate the comment.
Built this to plan my own retirement at 56. No bank linking, no agenda - just serious planning tools. Try the AI Synopsis on the Dashboard. No account needed to explore. Free tier available.