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Planning & investingThe plan that moves your odds the most — found for you.
Money God simulates thousands of futures for your family, then searches every combination of saving, investing and withdrawing to find the few moves that matter.
Everything in planning & investing.
Best plan, solved
Where each dollar of savings goes, what to sell, when to convert — one plan, scored by your odds of retiring on time.
Retirement odds
Thousands of simulated markets with your real accounts, taxes, Social Security and spending, not a rule of thumb.
Portfolio X-ray
Look through your funds to what you really own: overlap, fees in dollars over 20 years, and dividends.
Social Security and Medicare
When each of you should claim, what IRMAA will cost, and required withdrawals planned before they arrive.
College and big goals
529s and other goals funded in the right order, with the trade-off against retirement shown in odds.
Ask your CFO
"Can we retire at 60?" Specialist AI agents answer with your numbers and show their work.
See what you really own — and what it costs.
Most families hold the same few hundred companies three times over and pay for it. The X-ray looks through every fund to the companies inside, totals fees in dollars, and flags concentration.
- Expense ratios from SEC prospectus filings
- Overlap across every account in the household
- Fees in dollars over 20 years, not percentages
The decisions that are hard to undo, worked out.
When to claim Social Security, which accounts to draw first, lump sum or pension, Roth conversions before RMDs — compared side by side for your family.
- Claiming ages for both spouses, with survivor benefits
- Withdrawal order that keeps taxes and Medicare costs low
- Required minimum distributions planned years ahead
Good to know
Does Money God manage my investments?
No. It's read-only and never trades. It shows the moves worth making and you make them at your broker — or don't.
Where do the investment figures come from?
Market prices from several independent data providers, with backups when one goes quiet, and fund expense ratios from the SEC's prospectus filings.
Is the retirement estimate a guarantee?
No. It's the share of thousands of simulated futures in which your plan works. It's a way to compare choices, not a promise about markets.