One app where the $4 coffee quietly sharpens your 40-year projection
Most apps do one or the other. Foundera closes the loop: what you spend today quietly re-draws where you land at 90.
Groceries, rent, the coffee. Type it in, import a CSV — and soon, let your linked accounts log it for you.
Every entry re-computes your projection to age 90 — through a real US tax engine, not a rule of thumb.
Watch your FI date respond to real life — fourteen months closer, or a nudge further, honestly reported.
Foundera walks your money forward one year at a time — income, spending, accounts, taxes — from tonight to age 90. Then it stress-tests the whole thing against a thousand market histories.
Ask it anything you’ve been afraid to ask a spreadsheet:
Monthly envelopes with rollover — an over here, an under there, and the plan absorbs it honestly.
Checking to brokerage to the old 401(k) — one net-worth line, updated as you go.
Log by hand in seconds, import CSV from anywhere — and Plaid live sync is coming soon to Plus.
Most planners guess at taxes with a flat percentage. Foundera quietly files a pretend return for every year of your plan — brackets, deductions, and the alphabet soup included — so the number at the end is one you can trust.
While Foundera is in alpha, everything is free — every tier, every feature, no card. The prices below are a preview of what launch will look like.
Type in this month. That’s the whole assignment. Foundera turns it into a picture of where you’re headed — and “retirement” stops being a word other people use.
Deterministic year-by-year engine, integer-cent math, Monte Carlo against history, taxes modeled line by line. Bring the 14-tab spreadsheet — it can retire first.