Everything you own, priced and dated.
The total is built from your own trade history and daily closing prices, not from a balance you typed in last spring. Every holding is priced and dated, so you can see at a glance how current the number is — and anything the app can't price is called out rather than quietly counted as zero.
A plan you describe by what you spend.
Most retirement calculators ask for a target income and then check whether you can withdraw it, which is circular — you guess a number and the model scores your guess. This one asks what the household spends: a baseline, the step down as each child becomes independent, the years a wedding or a new roof lands in. It asks what the household earns. Then the portfolio funds the difference across 1,000 simulated markets. Two people retiring three years apart is something you can simply say.
Then check the math.
The success percentage is not the whole answer, so beside it sits the path the plan expects, year by year: income, saving, spending, health insurance, goals, tax, and the balance left over. Withdrawals come out of three real buckets — taxable, tax-deferred, and Roth — with early-withdrawal penalties and required minimum distributions keyed to each owner's own age rather than one blended rate for the household. Nothing is hidden behind a single number you have to take on faith.
Your own files. No bank logins.
You are never asked for a brokerage password, and no third party holds a standing connection to your accounts. Your history goes in as a plain CSV in a format the app documents and hands you a template for. Reshape your broker's export into it yourself, give that chore to an AI assistant, or enter trades one at a time. Every row is previewed before anything is written, and everything you put in comes back out as the same file — your data is never locked in.
Bring your own agent.
Point Claude, or any MCP client, at your own household and ask it your own questions: what happens if we retire two years earlier, what does the health-insurance bridge actually cost, which holding is showing no value. It can record trades and import a CSV too. The server is hosted, so there is nothing to install. In Claude Code it is one line:
claude mcp add --transport http --scope user inv https://mcp.inv.randomfact.comThen run /mcp in a new session and sign in through the browser tab that opens. In Claude Desktop or on claude.ai, add https://mcp.inv.randomfact.com under Customize → Connectors as a custom connector instead. Either way the assistant acts as you — same Google account, same household, same role — so a viewer's agent reads everything a viewer can and writes nothing. It arrives already knowing how the app works, so you ask for the outcome rather than the API call.
The model is written down. So is what it leaves out.
There is a page listing every simplification the plan makes, each with the direction of its error: taxes are flat rates rather than a full return, nobody dies mid-plan, there are no ACA subsidies and no Rule of 55. That list is published on purpose. A projection is only as good as its edges, and a model that won't say where it stops is asking to be trusted further than it can carry.
Read it before you trust it
- Getting startedThe first account, the first import, the first plan.
- Portfolio and cashHow the dashboard's number is built, and what the date means.
- Monte Carlo and scenariosWhat the percentage is, and how to try an alternative safely.
- How the plan is simulatedEvery formula, with a real number worked through it.
- What the model leaves outThe simplifications, each with the direction of its error.
- Connect your AI assistantSetting up MCP, and what is actually worth asking it.
Start with what you already have.
Add an account, drop in a CSV, and the plan has a real portfolio to run over. It is a planning tool, not financial advice.
Log in