What stays on your device vs. what doesn't

Bank CSV importsStored locally only

Account balancesStored locally only

Retirement projectionsStored locally only

Spending analysisStored locally only

Journal entriesStored locally only

License key onlyOne-time activation check

Rates updatePublic JSON, no personal data

ⓘ Not financial advice. RetireSmart is an educational planning tool. All projections, estimates, and calculations are for illustrative purposes only and do not constitute financial, investment, tax, or legal advice. Consult a qualified financial advisor, tax professional, or attorney before making any financial decisions. Results will vary based on actual market conditions, tax law changes, and individual circumstances.

📄

W-2 Auto-Fill

Import your W-2 and your income, effective tax rate, 401(k), HSA, and Roth contributions populate automatically from Box 12 codes.

📊

Spending Analysis

Import CSV files from any bank or credit card, or enter monthly amounts manually. Auto-categorises 13 spending types.

💳

Credit Card Optimizer

Shows what you earned with your current cards vs. what you could earn. Recommends the best card per spending category.

🏠

Financial Decision Center

Mortgage rate comparison, auto loan analyzer, student loan refinancing, rent vs. buy simulation, and debt payoff planner.

📈

Monte Carlo Analysis

1,000-run simulation tests your plan against good and bad market sequences. Shows success rate and probability of running out of money.

📍

Location Planner

Compare all 50 US states and 20 international retirement destinations. Tax rates, cost-of-living, SS exemptions, and visa notes.

📅

Accounts & Journey

Track 401(k), Roth, IRA, HSA, and brokerage accounts with live contribution limit bars. Net worth timeline and milestone tracking.

🎓

Year-Over-Year Import

Like TurboTax — the new edition finds last year's data and imports your profile, accounts, and settings. W-2 and CSVs start fresh.

📝

Journal & Reports

Financial journal with mood tracking. Full text and PDF report generation. Encrypted backup export and restore.

💵 Mortgage Optimizer

Compare two interest rates, calculate extra payment payoff acceleration, 15 vs. 30-year comparison, and refinance break-even. Shows retirement impact of every dollar saved.

🚗 Auto Loan Analyzer

New vs. used side-by-side. Total cost of ownership including depreciation. What investing the monthly difference does to your retirement account.

🎓 Student Loan Planner

Refinancing comparison, extra payment acceleration, avalanche strategy. Includes the federal loan warning — refinancing removes access to PSLF and income-driven repayment.

🔑 Rent vs. Buy

Year-by-year simulation. Tracks equity, appreciation, taxes, maintenance, and insurance on the buy side. Tracks invested down payment and monthly savings on the rent side. Shows the exact crossover year.

📊 Debt Payoff Planner

Up to 6 debts. Avalanche (highest rate first) vs. snowball (lowest balance first). Shows months and interest saved by each strategy and the retirement impact of being debt-free.

💳 Card Optimizer

15 popular cards in the database. Optimises for cash back, travel points, or balanced. Shows actual earned vs. potential. Debit card users see how much they're missing out on.

Purchase a license

Buy a 2026 edition license at ashborneprojects.com/retiresmart. You receive a key by email — format RS2026-XXXXXXXX-XXXX. $49.99/year. No subscription auto-renewal.

Open the app and activate

Visit retiresmart.ashborneprojects.com in any browser. Enter your key. One-time online check ties the key to your device. After that it works fully offline.

Build your plan

Import your W-2, connect your bank statements, add your accounts, and run your projections. Everything saves to your browser's local storage — it's there next time you open it.

Export a backup

Use the Export Backup button to save a .retiresmart file to your computer. Keep it wherever you store important documents. Next year's edition imports it automatically.

$49.99

per year • 1 device • 2026 edition

One flat price. No tiers, no modules, no seat fees. Buy a new edition each year to get updated tax rates, contribution limits, and new features.

All tools included — no feature gating

Works offline after first activation

Works on Windows, Mac, iPhone, iPad, Android

Device reset available if you change computers

Common questions

Does my financial data go online?

No. Your W-2 figures, bank statements, income, account balances, and retirement projections are stored only in your browser's local storage on your device. The only things that contact our server are your license key during activation (once) and a public rates update file (no personal data sent).

Can I use it on more than one device?

Each license key works on one device. If you need to move to a new computer, email us and we'll reset your device so you can re-activate. If you want to use RetireSmart on a second device, purchase a second key.

What happens to my data if I clear my browser?

Your data lives in your browser's local storage. If you clear it, the data is gone — exactly like deleting a file. Always use the Export Backup button to save a .retiresmart file to your computer before clearing your browser.

Does the license renew automatically?

No. There is no auto-renewal. Each edition is a one-time purchase. When 2027 is released, your 2026 key keeps working on the 2026 app. You choose whether to buy the new edition.

What if I don't like it?

Email Ashborneprojects@gmail.com.

Important Disclaimers

Not Financial Advice

RetireSmart is an educational planning tool. All projections, estimates, and calculations are for illustrative purposes only. Nothing in this software constitutes financial, investment, tax, or legal advice. The creators of RetireSmart are not registered investment advisors, financial planners, or tax professionals.

Projections Are Estimates

Retirement projections and Monte Carlo simulations are mathematical models based on assumptions you provide. Actual results will differ — sometimes significantly — due to market volatility, inflation, tax law changes, and other factors. Past performance does not

Tax & State Information

State tax rates, Social Security rules, and contribution limits are based on publicly available information and may not reflect recent changes or your personal situation. Always consult a qualified tax professional before making tax-related decisions.

Credit Cards & Financial Products

Credit card rates, fees, and offers change frequently. Mortgage and loan calculations are simplified models. International retirement information may be outdated. Verify all details with the relevant institutions and consult qualified professionals before making any major financial commitments.

RetireSmart is provided “as is” without warranty of any kind. AshborneProjects / Pintobo LLC is not liable for any financial decisions made based on this software. © 2026 Pintobo LLC dba AshborneProjects. All rights reserved. Privacy Policy Terms of Service