A custom tax engine for mega-backdoor Roth, NIIT/AMT and asset location — now with estate-tax exposure, Social Security claiming, and progressive state brackets (CA/NY/MA). Built for RSU/ISO/NSO concentration, dual-income staggered retirement, and Next Best Dollar funding. See your exact FIRE age and projected net worth in seconds.
No account required. Everything runs locally in your browser.
Live real-dollar projection from your inputs (4% SWR · 7% real growth). FIRE goal $2.5M = 25× spend. Edit income/spend above to refine.
Everything below runs in the web app — no account, no signup — and every piece is also callable by your AI agent over MCP.
Post-tax 401(k) conversions, backdoor Roth and IRMAA-aware planning.
ISO/NSO/ESPP and a concentration sell-down with tax-loss harvesting.
3.8% NIIT and AMT phase-outs, plus progressive state brackets — CA taxes RSU and long-term gains as ordinary income.
RMD-, IRMAA- and ACA-aware conversions for the early-retirement gap.
Drawdown ordering across taxable, traditional and Roth with RMDs enforced.
Required distributions, plus ACA subsidies and HSA for the pre-Medicare gap.
PIA from AIME and bend points, with 62 / FRA / 70 breakeven and spousal/survivor strategies.
Federal exemption with the 2026 sunset, the 40% rate, spousal portability and state estate tax.
Prepay-vs-invest and refinance break-even, with lot-level cost basis on the equity side.
Avalanche / snowball / invest-instead, counted as a net-worth liability.
A full projection in real dollars with your own inflation assumption.
How close you are, your Coast FIRE age, and a minimum-investment path.
The least you can invest each year and still hit your date.
150+ years of Shiller data, tested across every market window — 1929, the 1970s, 2008.
Portfolio contributions and growth, plus cash accounts.
Properties with mortgages, appreciation, taxes and rental income.
Airbnb/VRBO: cash-on-cash, cap rate, break-even occupancy.
Speculative holdings and a taxable / traditional / Roth split.
Optimization, risk, strategic and progress insights, each with quantified impact.
Insights turned into immediate, short- and long-term steps.
Compare plans side by side with deltas against your base case.
Kids, college, weddings, lifestyle goals and life events.
In the web app every calculation runs in your browser — nothing uploaded.
Download any plan as JSON so it survives even if the site goes away.
A formatted PDF financial plan plus markdown for sharing.
Cmd+K palette, dark mode, presentation mode and plain-English definitions.
Why planfi instead of a spreadsheet, an advisor, or a monthly subscription?
planfi is and will always be free. We don’t monetize. No account required. No data sold. Built in public, open MCP.
planfi saves your work in this browser, celebrates milestones, shows momentum since your last check-in, and lets you compare plans side by side. Your progress is always here when you come back.
Since-last-check-in momentum
Earnings, contributions, net-worth delta — see what moved since you last visited.
Milestone celebrations
Coast FIRE reached? First $1M? The OMY "you’ve already won" nudge when you can stop.
Saved models & comparison
Build and compare scenarios in the dashboard. Keep the best, export as JSON.
Presentation / TV mode
Put your plan on a big screen or print it — no code, no spreadsheet nightmares.
Always saved locally: your browser storage keeps everything. No cloud sync, no account. Clear it and it’s gone — you control it all.
planfi exposes a free, open MCP server at ai.planfi.app.48 focused tools, guided workflow prompts, and a reusable plan handle let Claude — or any MCP client — chain a complete analysis. The engine does the arithmetic, so the model never has to guess at compound growth or a withdrawal sequence.
$ claude mcp add --transport http planfi https://ai.planfi.app/mcpClick Add to Claude to copy https://ai.planfi.app/mcp and open the connector dialog, then paste & add.
generate_financial_planrun_backtestinganalyze_roth_conversionanalyze_withdrawal_strategyHow data is handled in agent mode: the numbers you give your agent pass through the planfi worker to compute your plan, but aren't stored — except an optional intake session held up to 24 hours so you can fill in your own data via a link. Nothing is kept after that. (The web app itself is local-only.)
Agent already has your numbers
Tell it your situation. It calls generate_financial_plan and hands back your full projection.
Rather type it yourself?
It calls start_plan_intake and sends a link. Fill out planfi, hit Send to Agent — done.
One agent, 48 deterministic endpoints. Tools chain into a full analysis, passing a reusable plan_handle so your model is sent once — not on every call.
generate_financial_plangenerate_financial_insightsgenerate_action_plancompare_plansrun_backtestingget_savings_variationsget_asset_allocationget_minimum_investment_requiredanalyze_healthcare_bridgeanalyze_str_propertyanalyze_roth_conversionanalyze_withdrawal_strategyanalyze_debt_payoffget_tax_contribution_limitsget_financial_definitionscheck_model_completenessstart_plan_intakeget_completed_plananalyze_advanced_taxesanalyze_mega_backdoor_rothanalyze_funding_waterfallanalyze_equity_compensationanalyze_stock_concentrationanalyze_tax_optimizationanalyze_survivor_stress_testanalyze_insurance_needsanalyze_education_accountanalyze_childcare_costanalyze_staggered_retirementanalyze_protection_estateanalyze_portfolio_glidepathanalyze_accumulation_coneanalyze_fire_benchmarkanalyze_momentumanalyze_milestonesanalyze_already_wonsolve_goalanalyze_iso_amt_crossoveranalyze_fire_numberexplain_plan_statefork_plandiff_planswait_for_completionanalyze_estate_exposureoptimize_social_securityanalyze_mortgage_prepayanalyze_refinanceoptimize_multi_year_taxYes. No ads, no account, no monetization. We built it because high earners deserve better planning tools. It will always be free.
Yes. Roth conversions, backdoor Roth, mega-backdoor (post-tax 401k contributions), and IRMAA optimization are all built in.
Model RSUs as a speculative asset, then run tax-loss harvesting and concentration sell-down analysis. The engine accounts for NIIT and AMT.
Yes. 150+ years of Shiller S&P 500 data. Every rolling window from 1871 to present. Sequence-of-returns risk, concentration risk, and outcome ranges.
Yes. 48 MCP tools, no auth required. Tell Claude your situation, it runs generate_financial_plan, and returns your full projection.
Both included. 3.8% NIIT on investment income above thresholds. AMT phase-outs, state-specific taxes, and dual-state filers all supported.
Model each earner separately (age, retirement age, salary, 401k, IRA limits), and run scenarios for staggered retirement, spousal strategies, and income splitting.
Yes. JSON (raw data), PDF (full report), or markdown. Your data is always yours. Export any time, use it forever, even if the site goes away.
Yes. planfi projects your federal estate-tax exposure against the exemption — including the 2026 sunset — at the 40% top rate, with spousal portability and state estate and inheritance taxes layered in.
Yes. It estimates your PIA from AIME and the bend points, then compares claiming at 62, full retirement age, and 70 with breakeven analysis and spousal/survivor strategies.
Yes — with real progressive brackets, not a flat rate. CA, NY, and MA are modeled in full, including California taxing RSU income and long-term capital gains as ordinary income.
It now covers the three gaps that kept high-earner plans incomplete — estate-tax exposure, Social Security claiming, and progressive state taxes — on top of a best-in-class accumulation and tax engine. We are honest about the edges: long-term care and defined-benefit pensions are not yet modeled.
In the web app, every calculation happens in your browser. Income, savings, net worth — none of it is uploaded.
Open the app and start planning. No email, no password, no ads following you around the internet.
Download any plan as JSON in one click. Your plans survive even if the site goes away — re-import anytime.
Clear your browser storage and the data vanishes. We can't recover it, restore it, or keep a backup.
Enable 2FA and your data encrypts locally. Unlock with a fingerprint or security key — not even we can read it.
This tool will never have ads, a paywall, or require an account. We don't monetize. Built in public.