Inside the Q3 Charter Cohort: full Lumifin app access — scenario modeling, withdrawal sequencing, Roth conversions, ACA strategy. Cohort starts early August 2026. Join the waitlist now and we'll email you when signups open.
A decision-modeling tool for people approaching retirement — not a budgeting app. You see how each life decision changes your ending balance.
One product. One price. Full app access for the year.
Full app access for a year. No charge until signups open in late July.
Get a feel for the engine before you join. Both calculators are free — no signup required.
We'll email you in late July when signups open, so you can claim one of the 100 cohort spots.
Joining the waitlist is free — no payment today. The $199/yr subscription is charged only when you complete signup in late July, and it's backed by a 30-day money-back guarantee.
Want to ask questions first? Book a free 20-min call →
Unlimited access to the Lumifin app: scenario modeling, withdrawal sequencing across account types, Roth conversion comparison, ACA subsidy and healthcare cost modeling, Social Security timing analysis (including spouse and survivor), and downturn stress tests. Everything you need to model retirement decisions and see how each changes your ending balance.
Lumifin sells the subscription in quarterly cohorts with hard caps, not continuous enrollment. The Q3 Charter Cohort signup window opens in late July 2026 with 100 spots, and the cohort itself starts in early August. When signups fill, they close until the next cohort opens. Waitlist members get an email the moment signups open, and again each time a future cohort opens.
$199 covers a full 12 months of unlimited access. Lumifin is annual-billing only — there's no monthly plan and no free trial. Your subscription renews automatically at $199/yr unless you cancel, and you can cancel anytime before your renewal date. Charter Cohort members lock in that rate: when the standard price rises to $299/yr for new subscribers, your renewal stays at $199 for as long as you remain subscribed — new features included.
30-day money-back guarantee. If Lumifin isn't useful for you in the first month, email us and we'll refund the full annual subscription — no questions asked.
No. Lumifin is a decision-modeling tool that shows the math behind retirement choices. We don't advise on securities or recommend specific investments. If you want a CFP-style plan with personal advice, our Optimization Plan service ($1,500) walks you through your projection — that's separate from the subscription.
Yes. Lumifin's primary audience is 50–65 approaching retirement, but the second core audience is 45–50 DIY savers wanting to model early-retirement scenarios — ACA bridge years, Roth ladder, withdrawal sequencing for early access. The same engine, same features.
Book a free 20-min call. Schedule here →
100 spots, hard cap. Join the waitlist now and we'll email you when signups open.
Join the Waitlist