See the rest of your financial life, one month at a time.

See what your money actually does, month by month, from today to age 90. Test paying a debt off faster, saving a little more, or retiring a year earlier — and get the answer month by month, with loan payments and balances you can hold up against your own statements.

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Numbers you can check

Every month is worked out the way your bank and your lender actually do it — monthly compounding, real amortization — so you can hold a loan’s payment and payoff schedule up against the real statement and see it match. Everything further out is an estimate built on the assumptions you choose, and it says so.

Your dates, not a template's

When you stop working, when you claim Social Security, when you start drawing on savings. You set each one, and they don't have to be the same year.

Thirty days, two clicks

Refund yourself from your own account settings. No email to write, no reason to give, nobody trying to talk you out of it.

What it can't tell you

Worth knowing before you pay, not after.

It can't tell you what the market will do. You don't set the return assumption — we publish it, with its source, and you can see exactly what it is. The projection is only ever as good as that number.
Social Security figures are the roughest part of the model. Verify yours at ssa.gov before planning around them.
Spousal and survivor benefits aren't modeled.
It is not financial advice, and it isn't a substitute for an advisor who knows your whole situation.

Built for you, not against you

What this does for you, and what it won’t do to you.

No conflicts of interest, by design. I take no money from financial advisors, lenders, advertisers, investors or venture capitalists. The only revenue is what you pay for the service, so the only people I answer to are the people using it.
Affiliates, out in the open. People who like this tool can apply to my affiliate program and recommend it. An affiliate’s link never costs you more than buying without one, and the affiliate earns 30% of your first payment. I pay that commission, never you. Every affiliate is required to tell you they earn one, and none of it changes a single number the tool shows you. It only runs one way: I’m not anyone else’s affiliate, and no link on this site earns me a cent.
No ads, and your data is never sold. No third-party trackers and no third-party analytics. The only usage counts are my own, and they never include your figures.
Your data stays yours. Your card number goes straight to Stripe, the payment processor, and never touches this site. You can wipe every financial figure you’ve entered at any time with “Reset my data” in your settings, and email [email protected] to have your account deleted.
No dark patterns. Every consent box starts unchecked. Turning off auto-renewal, or refunding yourself within 30 days, takes two clicks from your settings, with nobody trying to talk you out of it. A plan that renews sends you a reminder email a month before each renewal.
No tiered plans nor secondary paywalls. Every paid account gets every feature. Annual and lifetime differ only in how long your access lasts.
No zoomed-in charts. Every chart starts at $0, and before-and-after charts share one scale. Why that matters.
No paper optimism. In the Strategy Sandbox, cut everyday spending by more than 15% and a note compares it with what US households actually managed after losing a job. Loans that would never be paid off are flagged. And there’s no box to nudge the market return up: it’s published, with its source.
No “you should”. It shows the costs and the outcomes. The decisions are yours.

Why I built this

I grew up in low-income areas and went to low-income schools, and for a long time I let that decide what I thought was possible for my life. Because I didn’t believe financial security was on the table for me, I didn’t do the things that would have prepared me for owning a home, or even for retirement.

For years I avoided mapping out my finances, because I knew the numbers would be bad. It was like skipping a checkup at the doctor’s office: ignoring the problem only gave it room to get worse. But as long as I didn’t look, I could pretend it wasn’t there.

When I finally made myself face it, it was far more confusing than it needed to be. The tools I found didn’t feel built to help me figure it out. They felt built to keep me feeling helpless, so I’d be passed along to a network of financial advisors for a finder’s fee. I believe the industry’s incentives are at odds with the people who most need clarity.

I’m an Army veteran, and when I finally faced my finances I was working as my company’s “data guy”: data entry, reports, moving data between systems, and light analytics whenever someone needed answers. I was also studying for a career in cybersecurity. When the company put together a small team to experiment with agentic AI, I saw a big opportunity and leaned in hard. Shortly after, I earned my CompTIA SecAI+ certification, and I’m now studying for CompTIA DataAI.

Working where everyday data, automation, cybersecurity and AI meet, I realized I had the practical toolkit to build something better. I didn’t need to sell your details to lead-generation networks, or build a subscription you have to fight to cancel. I could build a tool that keeps you in control of your own data and is honest about the math, even when the math is hard to hear.

If it helps even a few more people avoid struggling in retirement, and leave something behind for their children, that’s a legacy I’ll be proud of.

— Gerald

Gerald Tyler, founder of Data Accepted LLC, a veteran-owned small business. U.S. Army veteran.

Associate of Applied Science (AAS) in Business Administration, Entrepreneurship concentration
CompTIA Network+
CompTIA Security+
CompTIA PenTest+ (penetration testing, or ethical hacking)
CompTIA CySA+ (Cybersecurity Analyst)
CompTIA SecAI+ (AI security)
Now studying for CompTIA DataAI

Pricing

Lifetime

$499 once

Best value Costs less than 3 years of Annual.

You'll be charged $499 once. This is a one-time payment for lifetime access — it does not renew, and you will not be charged again.

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Annual

$179 / year

You'll be charged $179 today, and $179 every year after that, automatically, until you cancel. Cancel anytime in your account settings.

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Thirty-day refund, no questions asked. There is no monthly plan — a month is not long enough to judge a fifty-year projection.

Not ready to buy yet? Try the Strategy Sandbox demo for some hands-on exploration, no account needed.

Become an affiliate — earn 30% per new customer.
Every number this tool produces is an educated estimate, not a guarantee — and not financial advice. Social Security figures are the roughest of all; verify yours at ssa.gov.
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