HailCat: Retirement Planner

New and free while we earn our first reviews. Thousands of simulated futures, real taxes, Social Security and Roth strategy. Your numbers never leave your phone.

When can I retire? How much can I spend?

Those are the two questions everyone actually asks, and any honest answer comes with odds attached. HailCat runs your plan through thousands of simulated market futures and lifespans, through a real US tax engine, and tells you your chance of staying solvent: to your target age, and for as long as you live.

Built by an actuary who wanted a planning tool with real math under the hood, and a cat on top.

FREE FOR EARLY ADOPTERS HailCat is new, and the full app is free while we earn our first reviews. Advanced features may move to a subscription later, but early users get everything now. Found a bug? Want a feature? Email us and you'll hear back from the person who wrote the code.

PLAN YOUR WHOLE FINANCIAL LIFE • Income, expenses, 401(k) and Roth accounts, pensions, stocks, real estate, mortgages and other debt, cash • Couples done right: two lifespans, survivor benefits, spousal rollovers, and the tax change when filing status switches • Social Security with real claim age math (62 to 70), cost of living increases, survivor rules, and the actual taxation of benefits • Healthcare in three phases: employer coverage, the pre-Medicare gap, then Medicare including IRMAA surcharges • Life events: sell or buy a home, move states in retirement, pay off the mortgage early, de-risk your portfolio, windfalls, college, a new child • Considering a lifetime annuity? The app prices the quote against real mortality tables, the insurer's cut included, so you can judge it honestly

SIMULATE THOUSANDS OF FUTURES • A multi asset market model (US and international stocks, bonds, REITs, cash), not a single straight line return • A real 2026 US tax engine: federal plus all 50 states and DC, capital gains, NIIT, RMDs, payroll taxes, the new senior deduction • Roth conversion strategies, 401(k) contributions and employer match, even SEPP 72(t) early retirement withdrawals • Longevity modeled with actuarial tables, so your plan is tested against how long you might actually live

UNDERSTAND WHAT MATTERS • One clear answer: the chance your plan survives • Insight cards read your results and flag the moves worth a look: Roth conversion headroom, Medicare surcharges, your first RMD, Social Security timing, survivor taxes • Sensitivity analysis ranks the levers (inflation, returns, spending, retirement age) by how much they actually move your outcome • Compare scenarios side by side, lock one in as your plan, and track your real net worth against it in the Journal • A home screen widget keeps your success rate and plan progress in view • Three visual themes, and text that scales with your device's text size settings

PRIVATE BY DESIGN Your financial data stays on your device, with automatic backup to your own private iCloud. No account. No sign up. No ads. Nothing that identifies you or your finances ever leaves your phone. To make the app better we count which features get used, anonymously and never your numbers, and you can switch that off in Settings. An optional Face ID lock keeps your plans private even if someone borrows your phone.

HailCat is a planning tool, not financial advice. Projections are estimates based on the assumptions you enter, not predictions or guarantees. For decisions about your money, consult a qualified professional.