Retirement planning app
Plan the retirement you want.
A detailed forecast built around your household, your income and your plans. See what each big decision changes before you make it.
Know where you stand today and where you're headed. See how the things you care about, like a home, your kids' education or a year off, fit into the years ahead.
This yearEvery line of one year 
Net worthWhat it is made of 
What ifDecisions side by side 
TaxesEvery year of tax 
ProgressYour plan against what you hold
The same plan on Android, iOS and web
What you see
Make each decision with the whole picture in front of you.
What if
Compare decisions before you make them.
Try a change, like retiring earlier or buying a house, and compare it with the plan you have today.
This year
Open any year, line by line.
- Income
- $355,667
- Taxes
- $110,507
- Expenses
- $164,917
- Saved
- $80,243
Contributions and taxes
See what contributions do over time.
- Effective rate over the plan
- 18.1%
- Tax paid, 2026 to 2083
- $2,264,669
Market range
See how your plan holds up when markets rise and fall.
Your forecast holds markets steady at your plan’s rates. LongSpan also runs a Monte Carlo analysis: the same plan through 500 sequences of what markets actually returned from 1928 to 2025 (stocks, bonds, cash, inflation and home prices, a year at a time) in place of your rates, counting how many of them your investable savings last to the end of your plan.
- Middle 50% of paths
- Middle 80% of paths
- Your forecast
Progress
Read your plan against what you hold.
Assistants
Connect the assistant you already use.
What if we retire at 55?
Retiring at 55 leaves you $1,738,478 less at 95, with $4,041,429 at retirement. Your lowest point in retirement would be $2,653,524.
I saved this as a scenario called Retire at 55 so you can compare it with your plan.
Saved a scenario · Oct 3, 2:22 PM
Your data
Secure by design. LongSpan never moves money.
- Read-only links through Plaid
- Never receives full account numbers
- Biometric app lock
- No advice, nothing to sell
Life events
See how life's big moves change your household's plan.
- Buy a house
- Sell a property
- Rent out a property
- Buy a car
- Sabbatical
- Private school
- Inheritance
- Extra equity exit
- Relocate to another state
- Different retirement age
- Long-term care
- Divorce
- Supporting a parent
- Large expense
- Subscription
- Spend more or less
- Save more
- New job
- Job loss or break
- Have a child
- Market downturn
- Claim Social Security
- Higher inflation
- Renovate a home
- Disability
What your plan can hold
Built for finances with a lot of moving parts.
- account types
- 30
- life events
- 25
Accounts
- 401(k), 403(b), 457(b) and solo 401(k), traditional and Roth
- Traditional, Roth, SEP and SIMPLE IRAs
- HSAs, 529s and Coverdell ESAs
- Brokerage, crypto, savings and CDs
- Pensions and annuities
- Mortgages, student loans, car loans and credit cards
- Linked through Plaid, or added by hand
Income and contributions
- Salary, bonus, self-employment, rental and pension income, each with its own raises
- Contributions to each account, with employer match
- IRS limits applied, including catch-up contributions
- After-tax contributions for a mega backdoor Roth
Spending
- 23 categories, plus your own
- Imported from YNAB, or typed in
- What's essential, and what changes in retirement
Equity
- RSUs, ISOs and NSOs, on their vesting schedules
- Future refresher grants
- The year you exercise and the year you sell
- A stake in a private business, and its sale
Home and property
- Your home and rentals, with mortgage, property tax, insurance and upkeep
- Rental income and costs
- The tax break on selling your home
Kids and college
- 529 and Coverdell savings
- College costs by school type, from in-state public to private
- Private school tuition
Taxes
- Federal tax, and state tax in all 50 states and DC, including a move between states
- Payroll and self-employment tax
- Capital gains, Social Security and early-withdrawal penalties
- Required minimum distributions (RMDs) and Roth conversions
- A withdrawal order you can change
Your assumptions
- Returns, inflation and raises, which can change over time
- Fees and returns set for each account
Pricing
Start with a free trial.
One subscription covers you and your partner, on Android, iOS and web.
Monthly
$4.99a month
- Billed each month
- 14 days free, then $4.99 a month
- Cancel anytime
- Every feature included
Yearly
2 months free$49.99a year
- Billed once a year
- 14 days free, then $49.99 a year
- Cancel anytime
- Every feature included
You start the free trial when you sign up, with your App Store or Google Play account or a card on the web. Unless you cancel before its 14 days end, it becomes the plan you chose, which renews each month or year until you cancel. LongSpan emails you 2 days before the first charge. See the subscription terms.
Both plans include
- A forecast of every year, to the end of your plan
- Market range: a Monte Carlo analysis across 500 market paths
- Progress, your plan read against what you hold
- Plan together with your partner
- Claude, ChatGPT, Gemini or another MCP assistant
- Android, iOS and web, one plan on all three
FAQ
Questions
- Is it safe to link my accounts?
- LongSpan links through Plaid, reads balances only and never receives your full account numbers. It can't move money.
- Do I have to link my accounts?
- No. You can add any account by hand and update its balance when you like.
- Does it give financial advice?
- No. LongSpan shows the forecast and the arithmetic behind it. The decisions stay with you.
- What happens when the trial ends?
- Your subscription starts, at $4.99 a month or $49.99 a year, charged by the store you started the trial in. LongSpan emails you 2 days before. If you cancel before the trial ends, you can still open your plan, but you can't change it, and linked accounts are disconnected until you subscribe.
- Can my partner use it too?
- Yes. The plan holds both your ages, pay and retirement plans, and you can invite your partner to plan with you.
- Which accounts can I add?
- 30 types, including 401(k), 403(b), IRAs, HSA, 529, brokerage, crypto, pensions, mortgages and loans.
- Does it handle RSUs and options?
- Yes. RSUs, ISOs and NSOs, with vesting, refresher grants and exercise and sale years, each taxed in the year it lands.
- Does LongSpan run Monte Carlo simulations?
- Yes. Your forecast holds markets steady at your plan's rates, and the market range is a Monte Carlo analysis of the same plan: it runs it through 500 sequences of what markets actually returned, taken in runs of about 10 years from the US record for 1928 to 2025, in place of your rates. In each year, your investments earn what that year's stocks, bonds and cash returned, your cash earns what Treasury bills did, your home follows home prices, your equity grants follow stocks, and your costs and income follow inflation, with taxes, withdrawals and Roth conversions worked out in every one. It shows in how many of them your investable savings last to the end of your plan, and where your forecast sits among them: near the top if your rates are hopeful, lower if they're cautious. That's a count of replayed markets: it doesn't predict what markets will do.
- What doesn't LongSpan model?
- It doesn't estimate Social Security, so you enter the benefit from your Social Security statement, and a life event can move it to any claiming age from 62 to 70. A life event can also test a market downturn or a stretch of high inflation. It doesn't model AMT, ESPPs, Medicare premiums or spousal Social Security benefits.
- Can I use it outside the US?
- No. LongSpan models US accounts and US federal and state tax, and is sold in the US only.