Seven years of plenty. Seven years of famine. One plan.
A retirement plan
you can read.
7-day free trial on Monthly & Annual. Cancel anytime, no charge. 30-day money-back guarantee on every plan.
See it move
Ninety seconds, start to finish.
282
Calculation tests passing
Tax math, RMD, withdrawal strategies, Monte Carlo. Every fix lands a new test before the merge.
2026
OBBBA-current tax tables
Federal + 50 states. Standard deduction, brackets, FICA, NIIT, IRMAA. Updated whenever the rules change.
∞
Your data is yours
Export to JSON or CSV any time, no email gate. Delete your account permanently from Settings in two clicks. We don't sell, share, or upsell on your data.
The problem
Every retirement tool was built for someone else.
Bank dashboards
Built to upsell you to a wealth manager. Your account is the lead, not the customer.
FIRE spreadsheets
Capable, free, and require a Saturday afternoon to learn. The good ones are someone else's mental model — not yours.
Real advisors
$400 an hour means you visit annually and forget the math the rest of the year. The plan lives in their software, not yours.
The middle is empty. People who want a real plan, on their own time, without becoming a spreadsheet jockey.
That's who Granary is for.
What's different
Three things
competitors don't do.
01
AI Insights, on the dashboard.
Plain-English read on where you stand. “Your plan runs out at 87 because your withdrawal rate is 1.2% over safe. Delaying SS to 70 adds 6 years.” The kind of analysis a $400/hr advisor would do — instant, on every login.
Your plan runs out at age 87 because your withdrawal rate is 1.2% over safe.
02
Live what-if sliders.
Drag retirement age 62 ↔ 70. The projection chart re-animates in real time. No save, no compare-mode, no extra clicks. The answer arrives as fast as you can ask the question.
Example: 40-year-old · $450k liquid · $22k/yr contributions · 5% real return. Today's-dollars terms.
Run this on your own numbers03
Show the math.
Click any number on the dashboard. A drill-down opens with the exact formula and the inputs that fed it. Every figure auditable. No black box.
$1,847,200
at age 67 · today's dollars
How we got here
Also inside
The features we don't lead with.
Three moments make the pitch. These six do the quiet work underneath it.
Tax planning
See your lifetime tax bill with and without Roth conversions — the ladder laid out year by year. The same math runs the free Roth conversion calculator, no account needed.
Equity compensation
RSU, ISO, NSO, ESPP vesting — modeled, not hand-waved. Grants flow straight into your projections.
Withdrawal strategies
Conventional, bracket-fill, IRMAA-shield. Compare all three against your own numbers, not a rule of thumb.
Debts & payoff
Avalanche versus snowball with real amortization — actual interest saved, actual payoff dates.
Spending insights
Import statements and see where the money goes. No bank logins, no screen-scraping.
Drill-down everywhere
Click any dashboard number and the formula behind it opens — every figure, every tab.
Want to test the math before you sign up? The free when-can-I-retire, ACA subsidy, and Social Security break-even calculators are open to everyone — no account, no email gate.
Credibility
Built on the actual rules, not shortcuts.
Most retirement calculators take shortcuts: 22% flat tax, ignore RMDs, hand-wave inflation. Granary models what the IRS and SSA publications actually say — bracket by bracket, year by year.
- Federal tax
- 7 brackets · 2026 OBBBA · standard deduction · FICA · NIIT
- State tax
- 50 states · exact flat rates · conservative top-marginal default · editable
- Social Security
- 0/50/85% taxability ramp · IRS Pub 915 · provisional-income tiers
- Social Security timing
- claim-age comparison with breakevens, 62 through 70
- RMDs
- SECURE 2.0 ages 72/73/75 · Pub 590-B Uniform Lifetime · prior-year-end balance
- IRMAA
- 6 tiers per filing status · MAGI 2-year lookback · annual recalc
- ACA subsidies
- 2026 cliff-aware estimate with conversion impact
- Withdrawal strategies
- Conventional · Bracket Fill · IRMAA Shield · per-strategy comparisons
- Monte Carlo
- 1,000 paths · 50-year horizon · randomized return + inflation per year
- Historical backtesting
- every rolling window since 1928 · real CPI sequences
- Equity comp
- RSU · ISO · NSO · ESPP · year-by-year vesting · grants flow into projections
282 unit tests pin the math. Real users have caught and reported edge cases — every fix lands with a new test before merging.
Your data, your call
Privacy isn't a feature.
It's a choice you make.
Cloud sync
Follows you across devices.
Your plan is encrypted in transit (TLS) and at rest (Google AES-256), isolated per user by Firestore security rules. Sign in from your phone, your laptop, your tablet — same plan everywhere.
Your data, your terms
Export or delete in seconds.
JSON or CSV export any time, no email gate, no upsell. Permanent account deletion from Settings — no support ticket, no waiting period. Granary is a tool, not a hostage situation.
We don't sell your data. No ad trackers, no cookies — anonymous page counts only.
Prefer zero cloud? Flip on local-only mode — your numbers are never stored off this device, and AI analysis is optional, sending a snapshot only when you ask. Your email is only for sign-in and billing.
Pricing
Try everything free for 7 days.
Keep the basics free forever.
No credit card to start. The free tier is a real planner — dashboard, portfolio, projections, sync. Pro adds the tax engine, Monte Carlo, withdrawal strategies, and AI.
The withdrawal-strategy and Roth-conversion math competitors charge $120–144 a year for. Granary is $39.
Free
- Five-minute onboarding wizard
- Net worth + cash flow dashboard
- Basic retirement calculator
- Sync across devices
- JSON export & backup — no email gate
Pro
or $4.99 / month
Annual saves 35%
Lock in $39/yr for life — the price rises to $59 for new subscribers later.
- Everything in Free
- AI Insights on every login
- Live what-if sliders
- Show the math drill-downs
- Three withdrawal strategies
- Monte Carlo + IRMAA shield
- Cloud sync across devices
- Priority support
30-day money-back on every paid plan. No questions asked.
Questions worth asking
Things people ask before they sign up.
Is my data safe?+
Your data syncs to Google Firestore behind your account — protected by Firebase auth and per-user security rules so no one else can read it. Encrypted in transit (TLS) and at rest (Google AES-256). You can export everything to JSON or CSV any time without an email gate, and a 'Delete my account' button in Settings permanently wipes your data on demand.
Does Granary replace my financial advisor?+
No. Granary replaces the spreadsheet you should be doing between advisor visits. If you have a CFP, bring them screenshots — the math is exposed, so it's reviewable. If you don't have one, Granary helps you decide whether you need one.
What if I find a calculation bug?+
Open Settings → Feedback in the app and send a bug report — it lands in our inbox along with the page you were on and your browser info so we can reproduce it. Real users have already caught a state-tax math error and an RMD timing edge case — both fixed within 48 hours, both with new tests added so they can't regress.
How do I import my data?+
CSV upload from your broker or bank — a Pro feature, included in the 7-day trial — with AI mapping that handles non-standard formats automatically. Manual entry is free for everything else. No screen-scraping, no Plaid required, no third-party access to your accounts.
Can I export everything?+
Yes — JSON or CSV, any time, no account required for export. Your data is yours; we don't gate exits.
What does an account give me?+
Syncing your plan across every device you sign in on, optional daily backup emails, AI Insights, and access to paid features when you subscribe. Creating one takes 10 seconds — email + password — and your data stays yours (export or delete from Settings anytime).
What's the catch?+
No catch — just an honest model. Granary is built by one person on the side. New accounts start with a 7-day free trial on Monthly or Annual; if you cancel before the trial ends you're not charged. Every paid plan has a 30-day money-back guarantee. Refund email is in the policy.
Five minutes.
Just a real plan.
7-day free trial — you're not charged until day 8. No marketing emails unless you want them. 30-day money-back guarantee on every plan.
Start freeStore up in the fat years. Steady through the lean.