A retirement planner — built for the rest of us
A retirement plan
you can read.
7-day free trial on Monthly & Annual. Cancel anytime, no charge. 30-day money-back guarantee on every plan.
267
Calculation tests passing
Tax math, RMD, withdrawal strategies, Monte Carlo. Every fix lands a new test before the merge.
2026
OBBBA-current tax tables
Federal + 50 states. Standard deduction, brackets, FICA, NIIT, IRMAA. Updated whenever the rules change.
∞
Your data is yours
Export to JSON or CSV any time, no email gate. Delete your account permanently from Settings in two clicks. We don't sell, share, or upsell on your data.
The problem
Every retirement tool was built for someone else.
Bank dashboards
Built to upsell you to a wealth manager. Your account is the lead, not the customer.
FIRE spreadsheets
Capable, free, and require a Saturday afternoon to learn. The good ones are someone else's mental model — not yours.
Real advisors
$400 an hour means you visit annually and forget the math the rest of the year. The plan lives in their software, not yours.
The middle is empty. People who want a real plan, on their own time, without becoming a spreadsheet jockey.
That's who Granary is for.
What's different
Three things
competitors don't do.
01
AI Insights, on the dashboard.
Plain-English read on where you stand. “Your plan runs out at 87 because your withdrawal rate is 1.2% over safe. Delaying SS to 70 adds 6 years.” The kind of analysis a $400/hr advisor would do — instant, on every login.
Your plan runs out at age 87 because your withdrawal rate is 1.2% over safe.
02
Live what-if sliders.
Drag retirement age 62 ↔ 70. The projection chart re-animates in real time. No save, no compare-mode, no extra clicks. The answer arrives as fast as you can ask the question.
Example: 40-year-old · $450k liquid · $22k/yr contributions · 5% real return. Today's-dollars terms.
Run this on your own numbers03
Show the math.
Click any number on the dashboard. A drill-down opens with the exact formula and the inputs that fed it. Every figure auditable. No black box.
$1,847,200
at age 67 · today's dollars
How we got here
Credibility
Built on the actual rules, not shortcuts.
Most retirement calculators take shortcuts: 22% flat tax, ignore RMDs, hand-wave inflation. Granary models what the IRS and SSA publications actually say — bracket by bracket, year by year.
- Federal tax
- 7 brackets · 2026 OBBBA · standard deduction · FICA · NIIT
- State tax
- 50 states · flat or bracketed · per filing status
- Social Security
- 0/50/85% taxability ramp · IRS Pub 915 · provisional-income tiers
- RMDs
- SECURE 2.0 ages 72/73/75 · Pub 590-B Uniform Lifetime · prior-year-end balance
- IRMAA
- 12 tier brackets · MAGI 2-year lookback · annual recalc
- Withdrawal strategies
- Conventional · Bracket Fill · IRMAA Shield · per-strategy comparisons
- Monte Carlo
- 1,000 paths · 50-year horizon · randomized return + inflation per year
- Equity comp
- RSU · ISO · NSO · ESPP · year-by-year vesting · grants flow into projections
267 unit tests pin the math. Real users have caught and reported edge cases — every fix lands with a new test before merging.
Your data, your call
Privacy isn't a feature.
It's a choice you make.
Cloud sync
Follows you across devices.
Your plan is encrypted in transit (TLS) and at rest (Google AES-256), isolated per user by Firestore security rules. Sign in from your phone, your laptop, your tablet — same plan everywhere.
Your data, your terms
Export or delete in seconds.
JSON or CSV export any time, no email gate, no upsell. Permanent account deletion from Settings — no support ticket, no waiting period. Granary is a tool, not a hostage situation.
We don't sell your data. We don't use marketing trackers. Plausible is the only analytics, and it's cookie-free.
Pricing
Free to use. Pay once when you're convinced.
No trial timer. No credit card to start. The free tier is genuinely useful.
Free
- Five-minute onboarding wizard
- Net worth + cash flow dashboard
- Basic retirement calculator
- Sync across devices
- CSV import
- Export anytime
Pro
- Everything in Free
- AI Insights on every login
- Live what-if sliders
- Show the math drill-downs
- Three withdrawal strategies
- Monte Carlo + IRMAA shield
- Cloud sync across devices
- Priority support
30-day money-back on every paid plan. No questions asked.
Questions worth asking
Things people ask before they sign up.
Is my data safe?+
Your data syncs to Google Firestore behind your account — protected by Firebase auth and per-user security rules so no one else can read it. Encrypted in transit (TLS) and at rest (Google AES-256). You can export everything to JSON or CSV any time without an email gate, and a 'Delete my account' button in Settings permanently wipes your data on demand.
Does Granary replace my financial advisor?+
No. Granary replaces the spreadsheet you should be doing between advisor visits. If you have a CFP, bring them screenshots — the math is exposed, so it's reviewable. If you don't have one, Granary helps you decide whether you need one.
What if I find a calculation bug?+
Open Settings → Feedback in the app and send a bug report — it lands in our inbox along with the page you were on and your browser info so we can reproduce it. Real users have already caught a state-tax math error and an RMD timing edge case — both fixed within 48 hours, both with new tests added so they can't regress.
How do I import my data?+
CSV upload from your broker or bank. AI mapping handles non-standard formats automatically. Manual entry for everything else. No screen-scraping, no Plaid required, no third-party access to your accounts.
Can I export everything?+
Yes — JSON or CSV, any time, no account required for export. Your data is yours; we don't gate exits.
What does an account give me?+
Syncing your plan across every device you sign in on, daily auto-backup, AI Insights, and access to paid features when you subscribe. Creating one takes 10 seconds — email + password — and your data stays yours (export or delete from Settings anytime).
What's the catch?+
No catch — just an honest model. Granary is built by one person on the side. New accounts start with a 7-day free trial on Monthly or Annual; if you cancel before the trial ends you're not charged. Every paid plan has a 30-day money-back guarantee. Refund email is in the policy.
Five minutes.
Just a real plan.
7-day free trial — you're not charged until day 8. No marketing emails unless you want them. 30-day money-back guarantee on every plan.
Start freeStore up in the fat years. Steady through the lean.