See your whole financial future before you live it.
Futurez runs your real numbers through 1,000 market futures on a deep, tax-aware engine so you can compare big life decisions with confidence. No financial advisor required.
Benchmarked against Morningstar, the Trinity Study & Vanguard. See how we tested it →- What-if: What happens if I take this job?
- Success: +4% chance of success
- Opportunity: Retiring at 57 hits 92%
- Validated: Morningstar says 3.9%. So do we.
- Milestone: Mortgage paid off — age 58
- What-if: Retire one year earlier?
- Outcome: Median net worth $2.43M
- Your AI: Ask Claude: ‘what if we retire early?’
- Validated: We never flatter your odds
- Success: 88% chance your money lasts
- Opportunity: A Roth ladder could save $18k in tax
A before and after picture
Drag the slider and watch Futurez show you how changing variables (retirement age in this case) can alter your future.
Benchmarked and tested.
Calibrated to lean on the safe side.
Behind every projection is a full, auditable spreadsheet of the numbers. And behind the engine are 1000s of tests and a historically grounded market simulator.
Morningstar's 2026 safe withdrawal rate: asked the same question, our engine returns the same 3.9% as the leading forward-looking study.
Compared to published benchmarks, Futurez intentionally comes in more cautious than optimistic.
Built on 100 years of real markets, with a near-term outlook set to what the major asset managers forecast now.
The same calibrated markets every run so you can compare actions to outcomes.
A planner's engine, without the planner.
1,000 market futures, not one guess
Every projection runs across 1,000 possible market paths on a fat-tailed model giving you a real range of outcomes, not just one optimistic line.
It knows the tax code
Federal + 42-state income tax, RMDs, IRMAA, child tax credits, Social Security, QBI, and more, all included in each projection.
One plan for the whole household
Two careers, two retirement dates, kids and dependents: Futurez represents your real life as accurately as possible.
Query and update simulations via AI chat
Futurez includes AI features right inside the app, but you can also connect Claude or ChatGPT and ask “what if I take this job?”, “retire a year earlier?”
Connect your AIDon't just see your future — improve it.
Start with your status quo
Add your real accounts, income, and expenses, and watch how today's plan holds up across 1,000 futures.
Make a tweak, watch it move
Retire a year earlier, change from W-2 to self-employed, adjust spending: each change reruns instantly.
Go deeper
Create custom rules in plain English like trimming non-essentials in lean years, or sliding your retirement date with market performance.
Optimize toward what you want
Retire early? Leave money to your kids? Success is yours to define. Iterate until the plan protects what matters.
FAQ
See the methodology →
Connect your AI →
See your possible futures.
Build your plan, run 1,000 futures, and steer toward the life you actually want.
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