Financial planning software for the decisions ahead
See how today’s decisions shape the years ahead.
Bring cash flow, investments, taxes, Social Security, healthcare, and retirement into one connected plan. Compare the tradeoffs now, then build toward an income strategy grounded in the financial picture you develop over time.
Start with Basic for free. Pro is $139 annually.
Assumptions 3.5% return after inflation. Plan ends at age 92. Taxes are federal and cover retirement years.
Compare scenariosOne change should reveal its effect across the whole plan.
One decision. Several consequences.
Your retirement decisions do not live in separate calculators.
Claiming Social Security changes cash flow. A Roth conversion changes taxes, Medicare premiums, and future withdrawals. Retiring earlier changes healthcare costs and the number of years the portfolio must support.
PureLogicOS places those relationships in the same planning model, so you see more than a single answer.
No.
Decision
What the plan examines
01
Retire earlier
Income gap, healthcare, withdrawals, taxes, and portfolio longevity
02
Convert to Roth
Tax cost now, future required distributions, Medicare IRMAA exposure, and legacy
03
Delay Social Security
Near-term withdrawals, lifetime benefits, survivor income, and break-even timing
04
Change spending
Annual cash flow, probability ranges, sequence risk, and remaining assets
05
Sell or keep a property
Proceeds, taxes, housing costs, rental income, and long-term net worth
IRMAA: Income-Related Monthly Adjustment Amount. An added Medicare Part B and Part D premium at higher incomes.
Test the tradeoffs
Put competing choices next to each other.
Build alternate plans and compare the assumptions behind them. Review the effect on income, taxes, portfolio values, and legacy without losing the baseline that keeps the comparison honest.
What changes if retirement begins two years earlier?
Demo data| Outcome | BaselineRetire 65. Spend $96K. Pinned. | Earlier retirementRetire 63. Spend $96K. | Lower spendingRetire 63. Spend $88K. | Roth conversionRetire 65. Convert $70K a year, ages 65 to 71. |
|---|---|---|---|---|
| Annual retirement income | $96,000 | $96,000No change | $88,000−$8,000 | $96,000No change |
| Estimated lifetime taxesFederal, retirement years only | $269.4K | $219.2K−$50.2K | $222.4K−$47.0K | $228.6K−$40.8K |
| Lowest projected portfolio valueDuring retirement | $2.03MAge 66 | $1.67M−$363K | $1.71M−$324K | $2.02M−$13K |
| Social Security income | $62,000From age 67 | $62,000No change | $62,000No change | $62,000No change |
| Healthcare cost | $350,000Through age 92 | $396,000+$46,000 | $396,000+$46,000 | $350,000No change |
| Ending legacy | $2.38M | $1.61M−$770K | $2.02M−$353K | $2.45M+$75K |
| Monte Carlo rangePortfolio at 92, 10th to 90th percentile | $307K to $5.49M | $0 to $4.23M | $179K to $4.79M | $283K to $5.57M |
| Sequence-risk exposurePortfolio at 92 if the first three retirement years return −10%, −14%, and 0% | $1.21M | $401K−$809K | $869K−$342K | $1.12M−$93K |
Deterministic projections show how the stated assumptions unfold. Monte Carlo analysis adds a range of market paths, so the plan reflects uncertainty instead of hiding it.
Projections are estimates based on assumptions and user-provided information. They do not guarantee future results.
More than a retirement date
Follow the financial picture before, during, and after the transition.
01 / Now
Today
Organize accounts, investments, spending, income, debt, property, and goals. See the current household picture before adding long-range assumptions.
02 / Before retirement
The years between
Model career changes, major purchases, early retirement, healthcare coverage, pensions, Social Security, tax strategies, and shifts in spending.
03 / In retirement
Retirement income
Examine how withdrawals, benefits, pensions, taxes, and healthcare costs fit together across the retirement years.
04 / The household
The people affected
Account for a spouse or partner, survivor income, long-term care, estate decisions, and the legacy the household wants to leave.
Taxes across time
A lower tax bill this year is not the whole question.
PureLogicOS helps frame tax decisions across the plan. Explore Roth conversion years, retirement-account withdrawals, Social Security taxation, state and local taxes, Medicare IRMAA thresholds, and the tax effects of future income.
Compare the cost today with the effect on later income, premiums, withdrawals, and legacy.
PureLogicOS does not provide tax advice. Consult a qualified tax professional about your circumstances.
From plan data to retirement income strategy
Build the strategy from a plan that has learned your financial picture.
Income Plan uses the facts, assumptions, goals, and decisions captured throughout Pro Plan to generate a retirement income strategy. It starts with the planning work already completed, not a disconnected one-time questionnaire.
What informs the strategy
- Household income and spending
- Investment and retirement accounts
- Social Security and pension choices
- Tax assumptions and conversion decisions
- Healthcare and long-term-care planning
- Property, debt, goals, and legacy priorities
- Scenario choices developed in Pro Plan
$599
one-time
Active Pro Plan subscription required
Income Plan is planning software output. It is not individualized investment, tax, legal, or accounting advice.
A shared planning picture
Make the conversation about decisions, not missing context.
PureLogicOS gives advisors and clients a shared environment for reviewing financial facts, assumptions, scenarios, and planning results. Use the same picture to explore a question, document a choice, and return to it when circumstances change.
Advisor Plan $559 annually
Advisor and client review the same
- Financial facts
- Assumptions
- Scenarios
- Planning results
Choose where to begin
Start free. Add depth when the decisions require it.
Plan
Price
Best fit
Included direction
Basic
Free
People beginning to organize their financial picture
Entry point to PureLogicOS
Pro Plan
$139
annually
Individuals and households building an ongoing financial and retirement plan
Core planning, projections, scenarios, and monitoring
Income Plan
$599
one-time
Requires active Pro Plan
Pro subscribers preparing a retirement income strategy
Strategy generated from data developed throughout Pro Plan
Advisor
$559
annually
Advisors working with client plans
Shared planning workflow
Lifetime
$5,499
one-time
People who want the complete current PureLogicOS product
Basic, Pro Plan, Income Plan, Advisor, and every current feature
Income Plan requires an active Pro Plan subscription.
Know what the numbers mean
The assumptions stay visible.
A projection is useful when its inputs and limits are understood. PureLogicOS is designed to show the assumptions behind the plan and the tradeoffs between scenarios.
- Review and update plan inputs as life changes.
- Treat projections as estimates, not promises.
- Use scenario analysis to explore uncertainty.
- Bring legal, tax, investment, and accounting questions to qualified professionals.
Privacy · Terms · Disclosures
- Plan period
- Age 58 to 92
- Starting accounts
- $1,000,000 pre-tax. $170,000 Roth. $250,000 taxable.
- Savings until retirement
- $38,000 a year
- Retirement spending
- $96,000 a year, after tax
- Return
- 3.5% a year after inflation
- Volatility for the range
- 10.5% standard deviation
- Social Security
- $62,000 a year combined, from age 67
- Healthcare
- $23,000 a year before 65. $12,500 after.
- Taxes
- Federal only, simplified brackets. Retirement years only.
- Legacy
- After 20% tax on pre-tax balances
All dollar figures are in today’s dollars and describe an invented household.
Begin with the facts
Build the financial picture. Then test what comes next.
Start with PureLogicOS Basic for free. Add Pro when you are ready to model the decisions that connect today’s finances with retirement.