Your plan, every month
Plan Pulse
On the 1st of every month, get a personalized email and dashboard card explaining what changed in your plan and why. No more wondering whether your plan is still on track — Yearfold tells you.
YEARFOLD PRO
A retirement plan that talks to you, every month
Yearfold Pro turns your one-shot Monte Carlo into a living retirement plan. Monthly check-ins, personalized tax-calendar reminders, on-demand AI answers grounded in your actual numbers, and automatic alerts when your plan crosses a tax or IRMAA bracket.
$12/month or $99/year · Cancel anytime · 14-day refund, no questions asked
See how Yearfold stacks up against Boldin, ProjectionLab & more
Never miss a deadline
Tax Calendar
Every retirement-relevant deadline — RMD, QCD, Roth conversion, IRA contribution, IRMAA lookback — personalized to your age and plan, with email reminders 30, 7, and 1 day out. Calendar export to Google / Apple / Outlook.
Ask anything, get grounded answers
Plan Copilot
AI assistant that reads your full plan, runs scenarios through the Yearfold engine, and explains the result in plain English. Cites every number it uses. Not a chatbot — a calculator with a voice.
Know before you cross
Bracket Watchlist
Continuous monitoring of the IRMAA tiers and federal tax brackets your plan crosses. Email alerts the moment a planning decision moves you across one. Shows headroom for Roth conversions.
Stack scenarios side by side
Compare plans
Build multiple retirement plans — retire at 60, retire at 67, sell the house, downsize — and compare them on success probability, median balance, and shortfall fixes in a single view.
Pressure-test against history
Stress test engine
Replay your plan against documented bad retirement-onset periods (1929 Depression, 1973 Stagflation, 2000 Lost Decade, 2008 Financial Crisis). See exactly how your plan would have survived — or not.
Optimize the order you spend
Roth ladder + withdrawal order
Yearfold computes the most tax-efficient order to draw from taxable, traditional, and Roth accounts — including multi-year Roth conversion ladders that fill tax brackets without crossing IRMAA tiers.
Take your plan anywhere
Unlimited PDF exports
Every plan, exported as a 20+ page personalized PDF. Pro subscribers get unlimited exports — no per-PDF charge. Share with a spouse, an advisor, or an estate attorney.
YEARFOLD PRO
$8.25/month
$99 billed once a year
Cancel anytime · 14-day refund, no questions asked
- Plan Pulse — monthly delta email
- Tax Calendar with email reminders
- Plan Copilot — AI Q&A grounded in your plan
- Bracket Watchlist — IRMAA + tax alerts
- Compare plans side-by-side
- Sequence-of-returns stress test
- Roth ladder + withdrawal-order optimizers
- Unlimited PDF exports ($9.99/each on free tier)
Curious what the export looks like? Preview a sample PDF — no email needed.
FOR COUPLES & HOUSEHOLDS
Couples
$12.42/month
$149 billed once a year · save ~35% on annual
Retirement is a two-person decision. Couples gives you and your partner one shared, living plan — and the deeper analysis a household actually needs.
Couples — coming soon
The household tier launches shortly.
Everything in Pro, plus:
- Two-person household account — invite your spouse; they get their own login.
- Social Security timing optimizer — the claim ages that pay your household the most and protect the survivor.
- Joint & survivor analysis — how the plan holds for whoever outlives the other.
- Healthcare bridge — cover both of you from retirement to Medicare, with the Roth trade-off.
- Dependent-care cost forecasts — children, college, or a dependent who needs care.
- “His, Hers & Ours” scenario studio — compare both your visions and find the plan you agree on.
- Legacy & estate planning view — what you're on track to leave, plus a checklist.
- Priority Support — your questions go to the front of the line.
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.
Compare the tiers
| Feature | Free | Pro | Couples |
|---|---|---|---|
| 10,000-path simulation | |||
| Plan Pulse, Tax Calendar, Copilot, Bracket Watchlist | |||
| Unlimited PDF exports | |||
| Two-person household account | |||
| Social Security timing optimizer | |||
| Joint & survivor analysis | |||
| Healthcare bridge | |||
| Dependent-care forecasts | |||
| “His, Hers & Ours” scenario studio | |||
| Legacy & estate view | |||
| Priority Support |
Free · Pro $12/mo or $99/yr · Couples $19/mo or $149/yr
Frequently asked
Can I cancel anytime?
Yes. Open Settings → Subscription and click Manage to open Stripe's customer portal. Your subscription ends at the end of the current billing period and you keep Pro access until then. After it ends, your saved plans stay; only the Pro-only features lock.
Do you offer refunds?
Yes — 14 days, no questions asked, from your first charge. Email mindaugas@laucius.us. Refunds typically post within 5–10 business days. Think of it as a 14-day risk-free window: if Yearfold Pro isn't a fit, you get your money back.
What's the difference between monthly and annual?
Just price. Annual saves you $45/year (~31%). Same features, same access. You can switch between intervals anytime from the Stripe customer portal.
Is my financial data safe?
Yes. Yearfold never touches your bank or brokerage accounts directly — we don't use Plaid or any aggregator. The data you enter stays in your Yearfold account, encrypted at rest, and is never sold or shared with third parties. See the Privacy Policy.
Is Yearfold Pro investment advice?
No. Yearfold is a financial-education tool. It does not provide personalized investment, tax, or legal advice. The results are probabilistic projections based on historical data and stated assumptions — not guarantees. For decisions about your specific situation, consult a licensed advisor.
How does Plan Copilot avoid making things up?
Every numeric claim in a Copilot response comes from a tool call to the Yearfold engine — not from the AI guessing. The AI explains numbers; it never computes them. You can inspect the exact tool calls behind any response via the 'show your work' chips under each message.
Make your retirement plan a living document
Cancel anytime. 14-day refund window if you change your mind.
Yearfold is a financial-education tool, not investment advice.