Tested against real markets
Your plan runs through 1,000 simulated markets, then every start year since 1928, including the Great Depression, the 1970s and 2008. You see the chance it lasts, and how it holds up when markets do not.
Know when you can stop working.
Your retirement plan in about a minute, tested against 1,000 markets. No bank login. Rough numbers are fine.
1,000simulated markets
Since 1928every start year tested
16short lessons, with your numbers
0bank logins
Everything a plan needs, none of the spreadsheet
Roth conversions
Compare four conversion plans with 2026 tax brackets and required withdrawals, and see which leaves you the most after tax.
When to claim Social Security
Your benefit and your plan's result at every age from 62 to 70, and the age at which waiting pays off.
How you'll spend
The same amount each year, a percentage of savings, or guardrails that trim and raise spending with markets.
Your whole picture
- Healthcare before 65, lowered by marketplace tax credits
- Taxes in retirement, by pre-tax, Roth and brokerage
- Couples, with each partner's age and income
Learn and share
- 16 short lessons that use your own numbers
- An assistant for questions about your plan
- Downloads: a spreadsheet or a PDF report
Is it for you?
Fully Funded is for you if
- You want to know when you could retire, especially early
- You save in a 401(k), IRA or brokerage account and plan for yourself
- You want to compare big choices: Roth conversions, when to claim, how to spend
- You would rather type rough numbers than link your accounts
It is not
- A budgeting app or spending tracker
- Connected to your bank or brokerage
- An investment manager, or a place to buy funds
- Financial, tax or legal advice: it compares options, it does not tell you what to do
Free while we test
Fully Funded is in its first round of testing, and everything in it is free to use. It will become a paid app soon.
Early access
Everything is free while we test
Use every feature at no cost while Fully Funded is in testing. We would love to hear what confused you, what you wish it did, or what you would pay for. A sentence is enough.
Send feedback from inside the app while signed in, so it is saved to your account. You can also find it any time in Settings.
Questions
Is this financial advice?
No. Fully Funded shows estimates to help you plan and compare options. It does not recommend investments or tell you what to do. For personal advice, talk to a fee-only fiduciary adviser.
Do you need my bank login?
Never. You type in rough balances yourself. Nothing is linked, and nothing can move money.
Where is my data, and can I delete it?
Your plan is stored in your account so it is there when you come back, protected so only you can read it. Delete your account and everything in it from Settings at any time. The privacy policy has the details.
How accurate is it?
It is a planning estimate in today's dollars, not a forecast. It uses your return assumption, 1,000 simulated markets and real US market history since 1928, simple federal tax rules and 2026 figures for Social Security, tax brackets and healthcare credits. State taxes are not modelled in detail.
Is it really free?
Yes, for now. Everything is free while Fully Funded is in testing. It will become a paid app later, and we will say so on this page well before anything changes.
Does it work on my phone?
Yes, in your phone's browser today. Add it to your home screen for an app-like icon. An iPhone app is planned.
Can I plan as a couple?
Yes. Add your partner's age, and each person's Social Security, pension or other income at their own ages. The plan runs until the younger of you turns 90.
How do I sign in?
With your Google account. We never see your Google password.