You saved for retirement.
Now what can you spend?

Bring your statements. In ten minutes, see what you can confidently spend each year, and which accounts should fund it.

This is built for you if…

You’ll get a lot out of it

  • ✓You saved well and still aren’t sure what you’re allowed to spend.
  • ✓You’re retiring before 65 with health insurance to solve.
  • ✓You have pre-tax, Roth, and taxable accounts and no plan for the order to spend.
  • ✓You want an answer, not a spreadsheet to maintain.

You’ll probably want something else if

  • ·You’d rather build your own model and turn the knobs.
  • ·You want Monte Carlo simulations.
  • ·Your required distributions already cover more than you plan to spend.

Who built this

Hi, I'm Nancy.

When I left Meta sooner than I’d planned, I started asking how much we could confidently spend if I stopped working altogether.

I’d spent 25+ years as a software and data engineer, so I started with a spreadsheet. It got complicated fast, and no tool would turn it into a real plan: which accounts to draw from, in what order, and what each choice costs.

So I built one. That became Lumifin.

It can’t give you purpose in retirement. I hope it gives you permission to spend what you saved, on yourself and the people you care about.

More about why I built it →

Get full access to the app

See how much you can confidently spend, then keep more of it.

Personal Subscription
$299$199/yr
Founding member price, locked in for life

A year of full app access: your plan, your withdrawal order, and this year’s decisions.

  • ✓ A projection built from your income and expense plan, with your Confidence Spend™
  • ✓ Roth conversion strategies compared on ending balance, tax, and healthcare cost
  • ✓ A year-by-year view of your withdrawals, taxes, and healthcare costs
  • ✓ Estimate this year’s tax bill, and adjust withdrawals, sales, and conversions
  • ✓ See how this year’s tax is figured, broken out by source, federal and state
Start your free trial →

Want to see it first? Book a 30-minute demo →

Today: Create your account and your 30-day free trial starts.

After 30 days: $199/yr, unless you cancel first.

Common questions

What happens after I sign up?
Your 30-day free trial starts immediately and you have full access from the first minute. You add a card to begin the trial, but $199 is charged only when it ends, and canceling before then costs you nothing.
How long does the $199/yr founding member price last?
For life. Founding members renew at $199/yr for as long as they stay subscribed. New subscribers will later pay $299/yr. The price is locked when your subscription starts.
I'm retiring at 65 or later. Is Lumifin still for me?
Yes. The ACA subsidy question goes away once Medicare starts, but the decisions that matter most after 65 remain: withdrawal order, Roth conversions, IRMAA surcharges, and required minimum distributions. Lumifin models all of them and shows what you end with at your target age.
How accurate is the Confidence Spend number?
It is deliberately conservative. We solve it against the worst 30 years US stocks have produced since 1871 (3% a year above inflation), hold 8 years of spending outside stocks earning nothing after inflation, and fund healthcare and taxes on top of it rather than out of it. It is a floor you can plan on, not a best case. The full methodology shows every assumption and a worked example you can reproduce on our free calculator.
Is my financial data safe?
Yes. You enter your numbers yourself: no account linking, no bank credentials to share. Your data is encrypted at rest (AES-256) and in transit (TLS), and we never sell, rent, or share it with third parties. Full details are in our privacy policy.
How is this different from working with a financial advisor?
Lumifin doesn't manage your money or charge a percentage of your assets. It shows how much you can confidently spend and the contribution, withdrawal, and Roth conversion strategies that help you keep more of it, with the math visible year by year. Many people bring the results to their advisor. It's financial education and modeling, not financial advice, and every decision stays yours.

See what you can confidently spend. Then go enjoy it.

Sign up →

Want to see it first? Book a 30-minute demo →