Retirement and financial scenario planner with real tax math
Stage
Not given
Not given
Founded
Not given
Not given
Based in
ID
US
Pricing model
Freemium
Freemium
Pricing
Free plan with unlimited accounts in any currency, Money Chat, budgets, forecast and encrypted sync. Nomad Monthly at $6.99 per month or Nomad Yearly at $59 per year (save 29% yearly). All plans billed in USD through Paddle.
Free: one plan with the full engine and real tax math. Pro: $9 per month or $69 per year, includes more plans, compare two side by side, year's cash flow, Monte Carlo range, Roth conversions, and rentals.
Key features
Accounts in any currency with single Net Worth view
Money Chat for natural language transaction entry
End-to-end encrypted sync across devices
Budget income and spending with runway forecast
Scenario planning and forecasting
CSV and ZenMoney import
Local-only or Private AI options
Data export as JSON or CSV
Recovery key backup
Real tax math with federal brackets, state tax, and FICA calculated each year
401(k) and IRA rules including contribution limits and employer match
Mortgage amortization with property tax and insurance
Rental property calculations with rent, vacancy, and upkeep
Social Security adjusted for claim age
Required minimum distributions with IRS rules
Roth conversion modeling
Monte Carlo analysis with market volatility
Compare two plans side by side
Spouse planning with separate ages and Social Security claims
What makes it different
Privacy-first design with end-to-end encryption that even the company cannot read
Designed specifically for people managing life across multiple countries and currencies
AI that respects privacy with local-only mode running in browser
No bank login required, manual entry or import only
Free plan with full workspace including encrypted sync
No bank connection required; you enter your numbers manually for complete privacy
Detailed tax math applied year by year based on actual rules and limits
One plan stays completely free forever with the full engine
Compare different life decisions and scenarios on a single chart
Export or delete your data anytime with no lock-in
Nomad Flow
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