Know where your income comes from, how long your money lasts, and how every decision changes the picture.
Retire early, buy a home, take a sabbatical — see the financial impact before you decide.
Try the Free CalculatorTaxes. Healthcare. Withdrawals. Real answers.
Lumifin doesn't stop at projections. It models the strategies that protect and grow your wealth through retirement.
Convert Traditional IRA funds to Roth at the right tax bracket. See how strategic conversions grow your ending balance by reducing future tax drag.
Adjust your stock-to-bond mix and find the sweet spot between peace of mind and maximizing growth.
Traditional first? Roth first? Proportional? Lumifin suggests the optimal withdrawal order to make your money last longer.
Every major life choice shifts your financial future. Lumifin models each one so you decide with clarity, not guesswork.
Retire at 50 instead of 55? See exactly how it impacts your ending balance — so you can decide if it's worth it.
Ending balance drops ~$340KWhat if one partner stops working? Model the income change and see how it affects your financial future.
Ending balance drops ~$220KA $200K down payment is a one-time hit — but it permanently changes your trajectory. See the trade-off clearly.
Ending balance drops ~$150KBuilt from the spreadsheet that helped our founder's family go from two incomes to one with confidence.
Model Your Own ScenariosSpreadsheets guess. Lumifin models the real-world complexity that actually determines whether your plan works.
Federal and state taxes, filing status, capital gains — Lumifin calculates your actual tax burden, not a flat estimate.
Pre-65 premiums, ACA vs. employer coverage, Medicare after 65 — healthcare is the biggest wildcard in early retirement. Lumifin models it year by year.
See exactly how your assets, income, taxes, and spending play out every year from now through retirement and beyond.
The full app models income changes, expense events, and what-if scenarios — showing exactly how each one impacts your retirement plan.