Plan your next chapter with Ivy
Plan your
next chapter
with Ivy
Ivy is an AI retirement planning assistant - a clear view of your retirement, based on your inputs and assumptions, without the complexity of traditional tools.
More powerful than a calculator.Simpler than advisor software.
Secure & private
Encrypted in transit and never sold. We never link to your bank or brokerage accounts.
Plain language
Financial terms explained in plain English, right where they appear.
Save time
Guided questions instead of a spreadsheet - finish in one sitting.
Better decisions
Compare scenarios and see which changes matter most.
From questions to clarity, in three steps
No spreadsheets, and every term explained as you go. Ivy turns a few guided questions into a complete picture of your retirement.
Tell Ivy about you
Answer guided questions about your savings, income, and goals at your own pace - most people finish in one sitting.
Ivy runs the projections
Ivy estimates your retirement income and models how long your money may last using Monte Carlo projections.
See your plan and compare
Get your Retirement Score, monthly paycheck, and compare retiring at 60, 65, or 70 - side by side.
See what you'll get
A sample plan's dashboard. Yours is built from your own numbers - a score, a monthly paycheck, and the specific levers that may improve your outlook.
Your Retirement Reality Score
One number for how ready this sample plan is — with the full math underneath it.
Monthly retirement paycheck
- Social Security
- $2,840
- Portfolio withdrawals
- $1,610
- Pension
- $750
- Projected paycheck
- $5,200/mo
Where each projected dollar may come from, month by month.
What stands out
Consider delaying retirement
+10 ptsRetiring 2 years later could increase this sample plan's score by an estimated 10 points.
Plain-language observations about your plan, each one testable in a scenario.
This is sample data. Your results are projections from your own inputs and assumptions.
Everything you need to see your retirement clearly
Your Retirement Score
A clear 0–100 read on whether you're on track - and what would move it.
Portfolio longevity
See how long your money may last, with Monte Carlo confidence bands across hundreds of outcomes.
Monthly paycheck
A clear breakdown of the income you could draw each month in retirement.
Compare scenarios
Retire earlier or later, spend more or less - compare side by side and see the trade-offs.
Built for real people - not financial professionals
Ivy is an AI retirement planning assistant built on a Monte Carlo engine - the same projection method professional planners use. Ivy tests your plan against 2,000 possible market futures to show whether your money is likely to last.
Enter your savings, income, and spending; Ivy estimates your retirement income and compares scenarios side by side. The result is planning that feels simpler, clearer, and far less overwhelming.
Questions, answered
How does Ivy work?
You answer a guided set of questions about your income and savings (401(k), IRA, Roth and brokerage accounts, even an inherited IRA), Social Security, pensions and annuities, your home and any rental properties, and how much you plan to spend in retirement, including health care. Couples can plan together. Plan on about 10 minutes if you have your numbers ready. You type in your own numbers: Ivy never links to your bank or investment accounts. Ivy then gives you a Retirement Reality Score from 0 to 100 and plain-language steps to improve your score.
Is Ivy a real financial advisor?
No. Ivy is an AI retirement planning assistant - a calm, plain-language guide, not a human advisor. Ivy runs your projections, scores your plan, and points out the specific changes that may move your score.
Is my information secure?
Your data is encrypted in transit and never sold. We never link to your bank or brokerage accounts, so there are no logins to hand over - you enter your own numbers. You can edit or erase your planner data at any time, and you stay in control of your plan.
Who is Ivy for?
Ivy is for people roughly 40 to 70 who want clarity and confidence about retirement without complicated planning software - and for anyone over 30 who is starting to think about retirement and wants a simple way to see whether they're on track.