Most planners estimate.
Financho simulates.

Inflation is a risk, not a slider

Most tools ask for one fixed inflation number and apply it forever. Financho's Monte Carlo draws 10,000 correlated equity, bond, and inflation paths — and every inflation path flows through your entire plan: federal and state tax brackets, standard deductions, IRMAA thresholds, the FICA wage base, expenses, and healthcare costs. A high-inflation decade doesn't just raise your grocery bill — it reshapes your taxes. We model that.

It's also robust by construction. When you enter a 7% return, we treat it as what it almost certainly is — a compound growth rate, the way every historical return figure is quoted — so the median simulated path compounds at exactly the rate you entered. No hidden volatility drag, in either direction. And because returns are drawn from a lognormal distribution, no simulated year can ever lose more than 100% — an impossible outcome that simpler normal-distribution engines will happily generate.

Backtest against a century of real markets

Random simulations are only half the story — sequence-of-returns risk is best understood with real history. Financho runs your plan through every overlapping historical window since 1926, using Shiller S&P 500, long-term bond, and CPI data. Would your plan have survived retiring into 1929? 1973? 2000? 2008? See exactly which historical starting years break your plan — a capability the leading subscription planners don't offer at any tier.

A tax engine that computes, not approximates

2026-law federal brackets (including the One Big Beautiful Bill Act changes), capital gains stacked on ordinary income, NIIT, six-tier IRMAA surcharges, SECURE 2.0 RMD ages, senior deductions, FICA — plus all 50 states and DC with their Social Security and pension exemptions. When you need to withdraw from a pre-tax account, we iteratively solve for the gross withdrawal that covers both federal and state tax on itself. Retiring before 65? We model ACA marketplace subsidies including the 2026 return of the 400%-of-poverty-line subsidy cliff.

Tax law that keeps itself current

Tax constants go stale the moment Congress or a state legislature moves. Financho runs an AI agent pipeline that continuously monitors IRS, SSA, CMS, and all 50 state revenue departments for changes to brackets, contribution limits, Medicare premiums, and IRMAA tiers. Every proposed change is verified by a second independent model and reviewed by a human before it reaches the engine — so your plan is computed on current law, not last year's.