You saved for retirement.
Now what can you spend?

See how much you can confidently spend each year,
and which accounts to take it from.

See your number free → Join as a founding member Claim your spot

Honestly

This is built for one kind of person.

You’ll get a lot out of it if

  • ✓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.
  • ✓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 my 9-to-5 ended sooner than I'd planned, I wasn't sure I could confidently retire. 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 plan for funding my retirement income. So I built one.

That became Lumifin. It's how I retired, and it's what I use to fund the life I'm living while I build it into a business.

More about why I built it →

Get full access to the app

See how much you can confidently spend, then keep more of it. Model as many scenarios as you want.

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

A year of full app access: model your retirement decisions, scenario by scenario.

  • ✓ 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
  • ✓ 30-day free trial: cancel before it ends and you pay nothing
Join as a founding member → Claim your spot →

Want to see it first? Book a 20-minute discovery call →

Now: Join the waitlist free. Name, email, and three quick questions about your situation.

At launch (planned September 22): Claim your spot and access starts the same day, with a 30-day free trial. $199/yr founding member price after the trial, locked in for life.

Trial: You add a card when you claim your spot, pay nothing until the trial ends, and can cancel anytime before it does.

Common questions

What happens after I join the waitlist?
Joining is free: name, email, and three quick questions about your situation. At launch, planned for September 22, you claim your spot and access starts the same day with a 30-day free trial. The $199/yr founding member price is charged only when the trial ends.
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. Joining the waitlist is free; claiming your spot at launch is what makes you a founding member.
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.

Join as a founding member → Claim your spot →

Want to see it first? Book a 20-minute discovery call →