Cairn

For users

The fastest way
to know you'll be OK.

Cairn turns five questions into a real retirement plan. In about five minutes.

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Step one

Five questions. Five minutes.

  1. 1How old are you?
  2. 2When do you want to retire?
  3. 3What do you earn?
  4. 4How much have you saved?
  5. 5How are you invested?

You see a real projection at minute 5. Add detail later if you want sharper numbers.

Magic moment 1

An AI advisor on every dashboard.

AI Insights · sample

“Your plan runs out at 87 because your withdrawal rate is 1.2% over safe. The single biggest fix: delay Social Security to 70 — that adds 6 years of runway.”

The kind of analysis a $400/hour advisor would do — instant, every login, based on your numbers. Not a generic article.

Magic moment 2

Drag a slider. Watch the future move.

“What if I retired two years earlier?” “What if I saved an extra $500/month?” “What if returns disappoint?”

Drag the slider. The projection chart re-animates in real time. Other tools make you save scenarios and compare them later. Cairn shows you the answer as fast as you can ask the question.

Magic moment 3

No black box. Click any number.

Every figure on the dashboard is auditable. Click your net worth, your cash flow, your retirement readiness — a drilldown opens with the exact formula and the inputs.

How this is calculated

$8,420 (assets) − $1,840 (debts) = $6,580 (net worth)

Privacy

Your data isn't the product.

  • Local-first. Your data lives in your browser by default.
  • Optional cloud sync via Firebase — encrypted, isolated per user.
  • No marketing trackers. No data sold to brokers. Plausible analytics, anonymous.
  • Daily auto-backup via email so you never lose a year of work.
  • Delete your account permanently in two clicks. We mean it.

Pricing

Pay what fits you.

Monthly

$4.99/ month

Cancel anytime. Try everything.

Annual

$39/ year

Save 35%. Best for consistent users.

Founding Lifetime

$99once

First 500 buyers. Pay once, use forever.

30-day money-back guarantee. No questions.

Stop guessing.
Start knowing.

Five questions, five minutes, a real plan you control.

Try Cairn

No credit card to start.