Plan your financial future with confidence
Get professional-grade planning tools - without the professional-grade price. Savings, expenses, retirement scenarios, and historical simulations - all in one place.
Stress-test the plan
Replay your plan through a century of real market history and see how it holds up in bad decades as well as good ones.
- Test against real returns since 1920, including the Depression, 1970s stagflation, 2000, and 2008
- See the full range of outcomes alongside your success rate
- Four ways to sample history, including block bootstrap with a block size you choose
- Explore income, taxes, withdrawals, balances and 50+ other metrics
- Export every path to CSV and check the math yourself
Taxes, modeled properly
Taxes are one of the biggest expenses in retirement, and most planners approximate them. Fikata runs a full federal and state tax calculation for every year of every simulation.
- Federal and state income tax for all 50 states and DC, including how each state treats Social Security
- Capital gains stacked correctly on top of ordinary income
- Payroll and self-employment tax
- Rental depreciation, and recapture when you sell
- What happens to the tax bill when a spouse dies
Improve your plan
Use our What If? feature to experiment with changes to your plan to see how it affects your future retirement and net worth.
- Model selling or refinancing properties or vehicles
- See what happens if you pay off a loan early
- Stack multiple scenarios together
- Use the optimizer to search for the best set of changes
- Apply changes directly to your plan or save as a new plan
Fikata understands real estate
Real estate is a first-class citizen in your plans, whether it's your primary residence, a second home, or a rental.
- Model property tax, insurance, maintenance, management, HOA, turnover costs and mortgage interest
- Depreciation and recapture taxed correctly when a rental is sold
- Model the $250k / $500k home-sale exclusion for your primary residence
- Appreciation, rent growth, and expense inflation for each property
- Mortgages tied to each property, with balances, rates, and payoff dates
Your complete financial picture
See your complete plan in one place: assets, debt, net worth, cash flow and success rate.
- Every account type: checking, savings, brokerage, CDs, 401(k), 403(b), IRA, Roth, HSA, and 529
- Salaries, self-employment, rentals, and Social Security at the claiming age you choose
- Recurring, temporary, and one-time expenses, with presets for college
- Every loan in one place with rates and payoff dates
- Visualize your cash flow from income to spending and savings
Pricing
Simple pricing
Full access is free for a limited time while we're in beta. Try it now, no signup required, or sign in if you already have an account.
Free Beta Access
$0, full access
- Historical simulations using real market data
- Full federal and state tax modeling
- What-if and Optimize to improve your plan
- Real estate, retirement accounts, HSAs and 529s
- Drill into any path and export to CSV
- Multiple plans for your whole household
- No credit card required
When paid plans launch, beta users will get plenty of notice and a founding-member discount. We never sell your data. You can close your account at any time.