Privacy-first retirement planner
Sufficit: your retirement plan, built in a conversation.
Sufficit is a privacy-first retirement planning app. It interviews you in plain language, runs thousands of Monte Carlo simulations and a full historical backtest in your browser, and tells you whether you can afford the life you want. No bank linking. Sign in with Google to save your plan.
Your financial data stays on your device. Privacy Policy
Comprehensive planning that finally feels easy.
Sufficit sits between intimidating free calculators and overwhelming paid suites: full simulation without parameter overload.
Conversational onboarding
Describe your situation in a short interview instead of a hundred-field form. Sufficit asks what it needs, fills in sensible defaults, and builds a complete model you can edit any time.
Privacy by architecture
All simulation runs locally in your browser. We never connect to your bank, never ask for account credentials, and never see your balances unless you choose to save a plan.
Monte Carlo and historical backtest
Two methods, both in the free tier: 10,000 Monte Carlo paths plus a historical backtest against real US market returns since 1871, with a plain-English explanation when they disagree.
Answers, not dashboards
Results lead with what you asked: yes with room to spare, or close, with the two levers that matter most. Not a success percentage and a wall of charts.
Scenario comparison
Change one thing (retire a year earlier, delay Social Security, take a sabbatical) and see what moves. Premium unlocks unlimited saved plans and side-by-side scenarios.
Family plan for couples
Family builds on Premium with shared plans, collaboration, and spouse modeling for dual incomes and dual Social Security benefits.
Build your model through conversation.
The hardest part of retirement planning was never the math. It was getting the inputs right without exhausting you. Sufficit asks in plain language, in a sensible order, and turns your answers into a fully populated financial model. Open any value and edit it directly whenever you want.
Start your plan free →Your data stays yours.
Simulation runs entirely on your device. No per-user compute server, no account aggregation, no Plaid. Your financial picture never leaves your browser unless you explicitly save a plan to your account.
Read our privacy policy →Two methods, one clear picture.
Monte Carlo can produce unrealistically extreme scenarios. Historical backtesting has a small sample of independent multi-decade periods. Sufficit shows both and explains in plain English why they sometimes disagree.
See pricing →Change one lever. See what moves.
Scenario comparison is a first-class feature: run your base plan against one or more what-if changes and compare results side by side. Retire at 60 instead of 62, model a Roth conversion, or stress-test a year off, then understand the trade-offs in language you can act on.
Compare plans →10,000
Monte Carlo paths per run
Sub-second
Results in your browser
No linking
Bank accounts never required
Simple, transparent pricing.
A useful free tier with full simulation and one saved plan. Premium adds tax modeling and unlimited scenarios. Family adds sharing and spouse modeling for couples.
Frequently asked questions
Is Sufficit financial advice?
How is my data handled?
What is free vs Premium vs Family?
How is this different from Boldin or ProjectionLab?
How is this different from FIRECalc or cFIREsim?
Why two simulation methods?
Can I edit the model after onboarding?
Find out if you can retire.
Start free. No bank linking. Your plan stays on your device until you choose to save it.