Start as a founding member

Unlimited access to the Lumifin app: withdrawal order across account types, Roth conversion comparison, ACA subsidy and healthcare cost modeling, and Social Security timing analysis (including spouse and survivor). Everything you need to model retirement decisions and see how each changes your ending balance.

Immediately. You create your account, your 30-day free trial starts, and you can build your plan the same minute. The $199/yr founding member price is charged only when the trial ends.

You get everything, for 30 days, for nothing. You add a card to start the trial, but $199 is charged only when the trial ends. Cancel before then and you pay nothing at all.

The years around leaving work, when savings sit across several account types and the order you draw from them starts to matter. That's where withdrawal order, Roth conversions, and ACA planning move real money. If you are still years from stopping, the free calculators will serve you better than a subscription will.

Every subscription starts with a 30-day free trial; you're charged when the trial ends. $199 then covers a full 12 months of unlimited access. That's the founding member price, and it's yours for life: your subscription renews at $199/yr for as long as you stay subscribed. New subscribers will later pay $299/yr. Lumifin is annual-billing only, with no monthly plan. Your subscription renews automatically at $199/yr unless you cancel, and you can cancel anytime: during the trial, or before any renewal date.

The 30-day free trial replaces a refund window: you only pay once you've had a full month to decide. Cancel before the trial ends and you're charged nothing at all. After the trial converts, your year runs to its end date and renews only if you let it.

No. Lumifin is a financial planning tool that shows the math behind retirement choices. We don't advise on securities or recommend specific investments. For personalized advice, talk to a licensed financial advisor or CPA.

Probably not yet. Lumifin is built for the years around leaving work, when the question shifts from how much to save to how much you can safely spend. If you are still accumulating and you enjoy running your own models, you will find it opinionated and short on knobs. If you are within a few years of stopping and you want an answer rather than a spreadsheet, it is for you whatever your age.

Reach out anytime. Get in touch →