For users
The fastest way to know
you'll be OK.
Free tier, no card required. Try Pro free for 7 days — cancel anytime, not charged until day 8.
Setup
Five questions stand between you and a plan.
No account tree to build, no forty-tab workbook to learn. Rough answers are fine — every one of them is editable forever, and the projection sharpens as you do.
1
How old are you?
2
When do you want to retire?
3
What do you earn?
4
How much have you saved?
5
How are you invested?
You see a real projection at minute five — not a lead-capture form, not a “book a call” button.
Granary Academy
Watch someone actually use it.
Not a sizzle reel — the real app, real numbers, unedited. Start with the full setup, then dip into the free course that ships inside Granary. Nothing loads from YouTube until you press play.
The real first run: the one-time disclaimer, the five questions, and the projection you land on — about a minute, unedited.
Then, the course
Start here
Five minutes to a real plan
Set up your plan with the five-question wizard and read your first verdict.
Start here
The Dashboard & what-if sliders
Read the verdict card, drag the what-if sliders, and drill into any number.
Will it work?
Monte Carlo: chance of success
Stress-test your plan against 1,000 market histories — including retiring into 2008.
Keep more of it
Tax Strategy: the lifetime game
Roth conversion ladders, tax-loss harvesting, 0% gains harvesting, QCDs, and claim-age math.
All 20 lessons are free inside Granary — no subscription, no card. Create a free account to watch them
Why people stay
Three moments
you won't get from a calculator.
01
An advisor's read, every time you log in.
Not a generic article about the 4% rule — a plain-English analysis of your numbers, refreshed on the dashboard. Where the plan breaks, why it breaks, and the single highest-leverage fix.
Your plan runs out at age 87 because your withdrawal rate is 1.2% over safe.
02
Drag a slider. Watch the future move.
What if I retired two years earlier? What if I saved another $500 a month? Other tools make you save a scenario and compare it later. Granary re-animates the projection while your finger is still on the slider — try it right here.
Example: 40-year-old · $450k liquid · $22k/yr contributions · 5% real return. Today's-dollars terms.
Run this on your own numbers03
No black box. Click any number.
Every key figure on the dashboard is auditable. Click your net worth, your cash flow, your retirement readiness — a drill-down opens with the exact formula and the inputs that fed it. If you don't trust a number, take it apart.
$1,847,200
at age 67 · today's dollars
How we got here
Fair questions
The four reasons people don't sign up.
“I already have a spreadsheet.”
Then you already know the hard part isn't the arithmetic — it's keeping the tax rules current. Granary carries 2026 federal and 50-state tables, the SECURE 2.0 RMD ages, the Social Security taxability ramp, and the six IRMAA tiers, and updates them when Congress does. Import your numbers and keep the spreadsheet as a second opinion.
“I have a financial advisor.”
Good — keep them. Granary is what you do between the annual visits, when a question comes up in October and the next appointment is in March. The math is exposed rather than hidden, so you can bring your advisor a screenshot and they can check the assumptions instead of re-keying your life into their software.
“I'm not close enough to retirement for this.”
The years when a plan changes the outcome are the ones furthest from retirement, because that's when a contribution change or a Roth conversion has decades left to compound. Granary's Coast FIRE and opportunity-cost views are built for exactly that distance.
“What if the numbers are wrong?”
Every key figure drills down to the formula and the inputs that produced it — check it by hand if you want to. 280+ calculation assertions plus a unit-test suite run in the deploy pipeline; if either fails, the deploy fails. When a real user caught a state-tax bug it was fixed in 48 hours with a regression test attached.
Proof, not promises
The math is tested before you ever see it.
Most retirement calculators take shortcuts — a 22% flat tax, no RMDs, hand-waved inflation. Granary models what the IRS and SSA publications actually say, bracket by bracket, year by year.
280+
Calculation assertions passing
Plus a separate unit-test suite. Both run in the deploy pipeline — if either fails, the deploy fails.
2026
OBBBA-current tax tables
Federal + 50 states. Standard deduction, brackets, FICA, NIIT, IRMAA — updated whenever the rules change.
48h
From user bug report to fix
A real user caught a state-tax error. Fixed in two days, with a regression test so it can't come back.
- Federal tax
- 7 brackets · 2026 OBBBA · standard deduction · FICA · NIIT
- State tax
- 50 states · exact flat rates · conservative top-marginal default · editable
- 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
- IRMAA
- 6 tiers per filing status · MAGI 2-year lookback · annual recalc
- Monte Carlo
- 1,000 paths · 50-year horizon · randomized return + inflation per year
Your data, your call
Your data isn't the product.
- Cloud-synced via Google Firestore — your plan follows you across every device you sign in on.
- Encrypted in transit and at rest, isolated per user by Firebase security rules. No one else can read it.
- No marketing trackers, no ad cookies. Anonymous page counts only.
- Export everything to JSON or CSV any time — no email gate, no upsell.
- Prefer zero cloud? Local-only mode keeps your numbers on this device.
- Delete your account permanently from Settings in two clicks. We mean it.
Pricing
Start free.
Keep the basics free forever.
The free tier needs no credit card — dashboard, portfolio, expenses, goals, basic projections, and sync. Pro adds the tax engine, Monte Carlo, withdrawal strategies, and AI Insights.
The withdrawal-strategy and Roth-conversion math competitors charge $120–144 a year for. Granary is $39.
Competitor pricing verified June 2026 — see the dated comparison pages.
Free
- Five-question setup wizard
- Net worth + cash flow dashboard
- Portfolio, expenses, goals, basic projections
- The full 20-lesson Granary Academy course
- Sync across devices
- JSON export & backup — no email gate
Pro
or $4.99 / month
Annual saves 35%
Founder pricing — lock in $39/yr for life. The price rises to $59 for new subscribers later.
- 7-day free trial — cancel before day 8, pay nothing
- Everything in Free
- AI Insights on every login
- Live what-if sliders
- Show-the-math drill-downs
- Three withdrawal strategies
- Monte Carlo + IRMAA shield
- Tax Strategy & Roth conversion ladders
- CSV import with AI mapping
30-day money-back guarantee on every paid plan. No questions asked.
Stop guessing.
Start knowing.
Five questions, five minutes, a real plan you control. Free tier needs no card.
Start freeStore up in the fat years. Steady through the lean.