A plan for right now —
and the whole way to retirement.
Debt, budgeting, buying a home, or drawing down in retirement — a 15-minute conversation builds your plan, and your buddy walks every stage with you.
One buddy, from your first paycheck to retirement.
Your plan grows with you. Start wherever you are — we'll walk the whole journey with you.
Just Starting
Kill debt, build a budget, and start saving with confidence
Building
Smart accumulation and family protection
Transition
Plan ahead for taxes and required distributions
Retirement
Manage spending to sustain your lifestyle
How Retirement Buddy works
Start a conversation
Tell us about yourself in plain English. No forms, no jargon.
We build your plan
15-minute conversation produces a personalized retirement strategy.
Review your scenarios
Monte Carlo projections and side-by-side scenario comparisons.
Stay on track
Proactive reminders and plan adjustments as your life changes.
Tools for every stage.
From your first budget to your last paycheck — tools that work together to build, monitor, and adjust your plan.
Debt planning
Strategic payoff plans that clear debt faster and free up cash to save.
Budget planning
Build a realistic budget for today — and one that carries through retirement.
Retirement planning
Monte Carlo simulations and multiple scenarios to find your best path to retirement.
Smart reminders
Proactive nudges that keep your plan on track without overwhelming you.
Emotional support
Judgment-free guidance that reduces anxiety and builds confidence.
The questions everyone asks, answered properly.
No hedging, no upsell, and every assumption on the table — including the ones that make our own numbers look worse.
How to tell whether you can actually afford to retire
Not a savings target. Three numbers, ten minutes, and why “am I behind?” has no answer as asked.
How much you actually need in retirement
The 80% rule, the 4% rule and 25× spending — what each really claims, and where each breaks.
Claiming Social Security at 62, 67, or 70
77% more a month for waiting, a break-even at 80 — and why the break-even is the wrong question.
Meet the founder
Chris McNeilly
Founder, Retirement Buddy
I built Retirement Buddy because I was tired of watching smart, capable people feel paralyzed by retirement planning. With 20+ years building AI systems, I'm combining technology and empathy to help everyone plan their retirement with confidence.
Simple, transparent pricing
Start free, upgrade anytime. No credit card required.
Free
- Basic retirement scenarios
- Budget planning
- Debt planning
- Mobile access
Premium
- Everything in Free
- Unlimited scenarios
- Advanced Monte Carlo simulations
- Priority support