DIY retirement and financial planning with full tax detail and Claude AI assistance
Know the day you'll be debt-free
Stage
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Pricing model
Freemium
Freemium
Pricing
Free tier: The whole planner and app including up to 4 plans with 12 scenarios each, tax engine, Monte Carlo analysis, and free trial of Claude connector. Plus tier: $100 USD per year with higher Claude connector limits.
Free for core features. Premium available as monthly subscription, yearly subscription, or one-time lifetime purchase. Premium subscriptions include a free week trial.
Key features
Tax modeling down to lot-level cost basis with capital gains stacking
Income tax calculation for 41 states and DC with local tax support
Social Security modeling with earnings test and spousal benefits
Monte Carlo analysis with thousand trials from real market history
Claude AI integration for plan building and analysis
Roth conversion and withdrawal optimizer
Multi-scenario comparison with detailed scenario diffing
Real estate modeling with depreciation and rental property analysis
Family and household modeling with marriage, children, and moves
Income tracking for salary, RSUs, pensions, and Social Security
Debt payoff tracking with snowball and avalanche methods
Bill and payment reminders
Home screen widgets and Siri voice commands
Supports 44 languages and all major currencies
Shared budgets and goals with family or partners
What makes it different
Tax-focused planning engine that models actual tax impacts at lot level
Claude AI integration that builds and updates plans via conversation
Free core planner with optional paid Claude connector tier
Variable spending model that adapts annually based on portfolio performance
Shows the exact month you'll be debt-free
Data stored only on your iPhone and iCloud, not Spendry's servers
Works offline with local calculations
Automatic reminders for bills, cards and subscriptions even when app is closed
FinZot
Spendry