Yearfold Pro
How much can you spend this year? Which account goes first? What could a Medicare surcharge cost you?
Pro answers the retirement decisions that come after “will my money last?” — from your own plan, kept up to date every month.
Price
Yearfold Pro · annual
$8.25a month
billed yearly — $99 a year
Free for 14 days, then $99 a year. Cancel anytime in Settings.
You’ll sign in with your email first.
Planning as two?
Add your partner with Couples
- When should each of us claim, counting survivor benefits?
- What happens to the plan if one of us dies first?
Everything in Pro, for both of you, plus survivor-aware Social Security, joint & survivor analysis, the healthcare bridge and more.
Couples is coming soon.
What Pro answers
How much can I spend this year without running out?
Answered by Spending Guardrails.
Which account should I spend from first, and how much should I convert to Roth?
Answered by Withdrawal order and Roth ladder.
Will a Medicare surcharge or a bracket jump catch me?
Answered by Bracket Watchlist.
What deadlines are coming up for me?
Answered by Tax Calendar.
Is my plan still on track this month?
Answered by Plan Pulse.
What if I retire into a 2008 or a 1973?
Answered by Stress test.
Can I ask questions about my own numbers?
Answered by Plan Copilot.
For comparison: Boldin $168/yr (PlannerPlus, billed annually); ProjectionLab $129/yr (Premium) · $549/yr (Pro); MaxiFi Planner $149/yr (Unlocked) after a 14-day trial (prices checked October 21, 2026). See the full comparison.
Prefer a one-time purchase?
Not ready to subscribe? Get your plan as a 12+ page PDF — $9.99, includes 30 days of Pro.
No card saved and no auto-renew: when the 30 days end, Pro simply stops.
Compare the tiers
| Feature | Free | Pro | Couples |
|---|---|---|---|
| 10,000-path simulation | |||
| Spending Guardrails — this year's retirement paycheck | |||
| Plan Pulse, Tax Calendar, Copilot, Bracket Watchlist | |||
| Roth ladder, withdrawal order, stress test, plan comparison | |||
| Unlimited PDF exports | |||
| Two-person household account | |||
| Social Security timing with survivor benefits | |||
| Joint & survivor analysis | |||
| Healthcare bridge | |||
| Dependent-care forecasts | |||
| “His, Hers & Ours” scenario studio | |||
| Legacy & estate view | |||
| Priority Support |
Free · Pro $12 a month or $99 a year · Couples $19 a month or $149 a year
Frequently asked
How does the free trial work?
New subscribers get 14 days of Pro or Couples free, monthly or annual. You add a card at checkout, and the first charge happens when the trial ends — we email you 7 days and 3 days before. One free period per person: if you've had a trial, a subscription or a PDF's Pro month before, you subscribe without a trial.
How do I cancel?
Settings → Billing → Manage subscription → Cancel. It takes a minute. Cancel during a trial and you're never charged; cancel later and you keep Pro until the end of the period you've paid for. Your saved plans stay either way.
Do you offer refunds?
Yes — 14 days from your first charge, no questions asked. Email hello@yearfold.com and the refund usually posts within 5–10 business days.
What's the Pro month that comes with the PDF?
Every $9.99 PDF includes 30 days of Pro from the day you pay, with no card saved and no auto-renew — when the 30 days end, Pro simply stops. Subscribe before then and your first payment is $9.99 less. A refunded PDF ends its Pro month.
Do I have to link my bank or brokerage accounts?
No, never. You type in your own numbers. Yearfold doesn't use Plaid or any account aggregator, and what you enter is never sold or shared.
Is Yearfold Pro investment advice?
No. Yearfold is a financial-education tool, not a registered investment adviser, and it doesn't give personalized investment, tax or legal advice. Results are probabilistic projections from historical data and stated assumptions — not guarantees.
Yearfold is a financial-education tool. It is not a registered investment adviser and does not provide personalized investment, tax, or legal advice. Results are probabilistic projections, not guarantees.