Retirement Planning with
Mathematical Precision
Move beyond simplistic 4% rules and static spreadsheets. NextLife Money models 1,000+ stochastic Monte Carlo market paths, dynamic cash flow sequencing, tax-bracket harvesting, and automated portfolio sync to give you absolute clarity on financial independence.
Why is NextLife Money 100% Free Right Now?
We believe high-precision retirement modeling shouldn't be locked behind thousands of dollars in financial advisor fees. We are currently in our Public Alpha stage, calibrating our stochastic math engines, tax algorithms, and multi-bucket withdrawal sequencers against real-world user scenarios.
Early Alpha Pass
Claim your free account today and lock in free lifetime access to core engine tiers.
Join The Alpha NowSix Pillars of Next-Gen Wealth Planning
Engineered from the ground up to replace outdated rules of thumb with rigorous simulation models.
1,000+ Monte Carlo Trials
Simulate thousands of volatile market sequences, recessions, and inflation variations to protect against sequence-of-returns risk.
Multi-Bucket Cash Machine
Automate stage-by-stage withdrawal routing: Cash Buffers → Taxable Accounts → Traditional IRA/401(k) → Tax-Free Roth distributions.
Roth Conversion Ladder
Optimize bracket arbitrage before Required Minimum Distributions (RMDs) kick in at age 73. Minimize lifetime tax drag automatically.
Empirical Spending Curves
Model realistic retirement spending across Go-Go, Slow-Go, and No-Go years, plus accurate Medicare Part B/D and healthcare trajectories.
E*TRADE Brokerage Sync
Secure OAuth 1.0a connection automatically synchronizes account balances, stock holdings, and dividend cash flows into your planning models.
Scenario Comparison Sandbox
Compare early retirement vs. sabbatical vs. downsizing side-by-side. See the immediate mathematical impact of every life choice.
Interactive Engine Showcase
Explore the three algorithmic layers that power NextLife Money's wealth intelligence.
Sequence-of-Returns Protection
A portfolio that encounters a recession in the first 5 years of retirement behaves radically differently than one that starts during a bull market. NextLife Money runs 1,000 randomized market histories using historical asset return distributions.
- 10th Percentile Bear Stress-Test: Plan for the worst 10% of historic markets.
- Longevity Horizon: Full modeling out to Age 95+ to prevent late-life shortfall.
- Real-time Confidence Score: Know exactly if your retirement is 80%, 90%, or 99% secure.
Multi-Stage Cash Machine
Never sell equities during a downturn. NextLife Money's cash flow machine structures your assets into distinct liquidity tiers: immediate cash buffers, fixed-income yields, and growth equities.
- 2-Year Cash Buffer: Insulate living expenses from market swings.
- Automated CD/Treasury Ladders: Predict exact monthly cash inflows.
- Dividend Yield Harvesting: Reinvest or draw income frictionlessly.
Tax Arbitrage & Roth Conversions
When you retire early, your earned income drops to $0. That creates a golden window to convert tax-deferred 401(k) balances to Roth IRAs at the lowest 10% and 12% tax brackets before RMDs hit.
- Bracket Fill Modeling: Convert right up to the 12% or 22% bracket ceiling.
- RMD Cliff Mitigation: Prevent massive tax hits at age 73+.
- Tax-Free Legacy Creation: Leave untaxed wealth to future generations.
Interactive Wealth Sandbox
Drag the sliders below to see your compound trajectory develop in real-time.
Free Today. Always a Free Tier. Advanced Automation Tomorrow.
NextLife Money is currently in open Public Alpha Testing Mode. We are committed to transparent pricing: there will always be a 100% free tier for core wealth modeling, tax sequencing, and Monte Carlo simulations. Our future commercial plan will be an optional upgrade dedicated to automated bank connectors and advanced financial intelligence.
Always Free Tier
Uncapped access to our core wealth projection, retirement, and simulation engines
100% free forever core tier. No credit card required.
Advanced Pro Plan
Automated financial connectivity, transaction downloads, and deep screening
Core planning is always free. Future automation features are completely optional.
A Smarter Way to Plan Your Next Life
See how NextLife Money compares to static calculators and traditional financial planning.
| Simulation Feature | PUBLIC ALPHA NextLife Money | Online Calculators (Bankrate, NerdWallet) | Traditional Advisory (1% AUM RIA) |
|---|---|---|---|
| Dynamic Decumulation Strategies | 6 Rules (TLC, GK, etc.) | Flat 4% Only | Manual Spreadsheets |
| Multi-Decade Cash Flow Simulation | Stage-Based (Ages 50-100) | Single Period Only | Static PDF Reports |
| Roth Conversion Ladder Optimization | Year-by-Year Arbitrage | None | High hourly billing |
| Real-Time E*TRADE Brokerage Sync | Official OAuth 1.0a | Manual Entry Only | Quarterly statements |
| Cost & Pricing | $0.00 Free Tier (Future $89/yr Pro) | Free (Basic) | 1.00% AUM ($5k-$20k/yr) |
Frequently Asked Questions
Everything you need to know about our public Alpha program and simulation features.
Yes, there will always be a 100% free tier. You will always be able to run Monte Carlo simulations, optimize Roth conversions, plan life chapters, and model complex drawdown strategies for free with zero credit card required.
When our optional advanced paid commercial tier launches ($89/year), it will be dedicated to automated convenience and deep financial intelligence:
- Financial Institution Connectors: Real-time live account syncing with your banks, credit unions, and brokerages.
- Automated Expenditure Downloads & Categorization: Direct transaction fetching automatically organized into your customized stage budget categories.
- Intelligent Expense Auditing: Automated auditing to identify subscription creep, duplicate charges, hidden fees, and spending leakage.
- Investment Screeners: Advanced fund screening, asset allocation stress testing, and dividend tracking engines.
All early Alpha testers will be eligible for special grandfathered founder discounts, and all your saved accounts and models will carry over seamlessly.
Take Control of Your Future Today
Join hundreds of early Alpha testers building resilient wealth machines. Set up your personalized financial plan in under 3 minutes.
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