Why a new retirement planner?

Most retirement planning tools belong to one of two camps. The first is the bank-owned dashboard that shows you your net worth and tries to upsell you on advisors. The second is the spreadsheet-flavored power tool aimed at the FIRE community — beautiful if you live in spreadsheets, intimidating if you don't.

Granary is for the gap in the middle: someone who wants real, tax-aware projections without the spreadsheet learning curve, and without their data being mined to sell them something.

Three things Granary does that I haven't seen anywhere else

Live what-if sliders. Drag the retirement-age slider on the dashboard and watch your projection chart re-animate in real time. The math runs locally; it's instant. Other tools force you to save scenarios and compare them — Granary shows you the answer as fast as you can ask the question.

AI Insights as the front door. Most tools tell you "your number is $X." Granary tells you the specific change that moves your projection most: delay Social Security to 70, bump your savings rate by 2%, convert $20k/year to a Roth ladder. It's the kind of analysis a $400/hour advisor would do — but instant, free with your subscription, and based on your actual numbers.

Show the math. Click any number on the dashboard. A drilldown opens that explains exactly how it was computed: the inputs, the formula, where each component came from. No black box.

What's next

Weekly posts here on retirement planning, tax strategy, and the math behind getting to financial independence. The kind of content I'd want to read but rarely find.

Try Granary — five questions, real projection in five minutes.