The retirement modeling engine
your practice is missing.

No tool at this price point models MAGI against the ACA subsidy cliff. One wrong withdrawal costs your clients $22K+/year in lost subsidies. Lumifin models it year by year — alongside Roth conversions, IRMAA cliffs, and withdrawal sequencing.

Book a Demo Planning your own retirement?

What your current tools can't do

Your clients are making six-figure mistakes because the modeling isn't there.

ACA Subsidy Modeling

Year-by-year MAGI management against the 400% FPL cliff. Enhanced subsidies expired — the cliff is back, and most tools ignore it entirely.

$15K–$22K/yr in healthcare savings Try the ACA calculator →

Roth Conversion Sizing

Optimal conversion amounts that fill the bracket without triggering IRMAA or blowing the ACA cliff. Not just "convert or don't" — exactly how much, each year.

$300K–$500K lifetime tax savings

Withdrawal Sequencing

Which account to pull from each year, accounting for tax brackets, RMDs at 73, and the interaction between income sources.

$50K–$200K+ in avoided tax drag

401(k) vs Roth 401(k)

Model the long-term impact of pre-tax vs Roth contributions based on current bracket, expected retirement bracket, and state tax changes. Show clients exactly which split maximizes after-tax wealth.

Right allocation from day one

IRMAA Cliff Awareness

Medicare Part B/D surcharge thresholds modeled into every projection. Know exactly when a Roth conversion or capital gain tips a client over.

Avoid $2K–$8K/yr surcharges

QCD Optimization

Qualified Charitable Distribution modeling that reduces RMDs and MAGI simultaneously — coordinated with the rest of the withdrawal plan.

Lower MAGI + satisfy charitable goals

See what your client meeting looks like

Real projections with real tax math — not flat-rate estimates.

Year-by-Year Projection Table

Expand any year to see per-account withdrawals, projected growth, and tax impact. Walk clients through exactly where the money comes from and where it goes.

Year-by-year projection table with expanded per-account breakdown showing withdrawals, projected growth, and ending balances for Taxable, Tax-Deferred, and Tax-Free accounts
Scenario Comparison

Change one variable — like annual spending — and see the impact across the full timeline. Milestone markers for Retire, Medicare, and RMD age keep the conversation grounded.

Scenario comparison chart showing baseline vs adjusted spending, with Retire, Medicare, and RMD milestone markers and a +$1.5M ending balance improvement

Shape the tool you wish existed

We're recruiting tax-focused planners as design partners. Founding pricing for those who help build it.

Design Partner
Planner Subscription
$100/mo
or $1,000/yr

Full access to Lumifin's projection engine for your practice, plus a direct line to shape the roadmap.

  • Unlimited client projections with real tax math
  • ACA subsidy + IRMAA cliff modeling
  • Roth conversion sizing & withdrawal sequencing
  • Year-by-year projection tables you can walk clients through
  • Direct input on feature priorities & product direction
  • Founding pricing locked in — rate never increases
Book a Demo
Closest competitor: Income Lab at $160+/mo — without full ACA cliff modeling.

Show clients how every decision changes their number

Model life decisions and see the exact dollar impact on ending balance.

Retire 5 Years Earlier

What does retiring at 50 instead of 55 actually cost? Show clients the exact dollar tradeoff.

Ending balance drops ~$340K

Protect ACA Subsidies

Manage MAGI to stay below the cliff. Show clients exactly how much they save on healthcare — $15K+/year for early retirees.

Ending balance increases ~$300K

Downsize & Sell Home

$800K in home equity sitting idle? Model what happens when it's reinvested — and show the tax implications.

Ending balance increases ~$300K

Roth Conversions

Pay 22% now or 24%+ when RMDs force it at 73. Show clients the optimal conversion amount each year — coordinated with IRMAA and ACA thresholds.

Ending balance increases ~$500K

See Lumifin in action

A demo with a real client scenario. I'll show you ACA subsidy modeling, Roth conversion sizing, and the year-by-year projection table your clients will actually understand.

Book a demo

About Nancy

I spent 20 years as a software and data engineer. When I started planning my own early retirement, I did what engineers do — I built a spreadsheet. Then the spreadsheet got complicated: tax brackets, Roth conversion windows, ACA subsidy cliffs, withdrawal sequencing across five account types. No existing tool modeled all of this together.

That spreadsheet became Lumifin. I built it for my own planning, then used it to help others approaching retirement. Now I'm building it into the tool I wish my own financial planner had — one that actually models the tax interactions that matter most in the decade before and after you stop working.

Planning your own retirement?

Not a planner? You can also work with us directly.

Starting Point
Discovery
$300

A straight answer: can you retire, and how much are you leaving on the table?

  • Baseline retirement projection with your real numbers
  • 1 "what if" scenario (retire early, go part-time, etc.)
  • See the optimization gap — how much more you could keep
Get Started
Most Value
Full Plan
$1,500

The full tax-optimized plan, built around your accounts, your timeline, and your goals.

  • Tax-optimized projection: Roth conversions, withdrawal sequencing, ACA subsidy strategy
  • 401(k) vs Roth 401(k) allocation guidance
  • 1 "what if" scenario with the same optimization applied
  • Walkthrough session — we go through every number together
  • Written summary with top recommendations emailed after
Get Started