Are you on track to retire?
Know Your Cashflow projects your real accounts — and everything else you own — forward through retirement, so you can see whether your money lasts and plan the years before it with confidence.
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Retirement planning, grounded in reality
A retirement plan that runs on your real financial life
Most retirement tools plan in a sandbox, disconnected from your money. This one projects your actual, connected accounts — plus the home, the rental, the metals, the crypto — forward through retirement, and reconciles every month so the plan stays honest.
Project
Roll your finances forward month by month — income, expenses, debts, and withdrawals — so you can see your balance years ahead, not just today.
Track
Net worth over time, monthly closes, and time-weighted performance across every account and asset you hold.
Plan
See if you're on track to retire and how long your money lasts — with withdrawal sequencing, RMDs, and estimated taxes — then test what-ifs side by side.
Connect
Securely link banks, brokerages, and crypto exchanges — or add real estate, metals, and private holdings by hand.
See it in action
A quick look at the dashboard, the projection, and the what-ifs that make planning click.
A closer look
Real screens from the app — the timeline of what's coming, and any asset drilled down to its history.
Retire with clarity
Are you on track — and will your money last?
Project your real balances forward through retirement — income, withdrawals, required minimum distributions, and the estimated tax drag — for a clear on-track answer and a view of how long your money lasts. Modeled on your accounts, not a blank calculator.
Know your odds
See the chance your plan actually works
A single straight-line projection can't tell you how much room for error you have. So we run your plan through a thousand simulated markets — good years and bad — and show the real chance your money lasts, or that you reach your number. A shaded range reveals the spread from a rough stretch to a great run, with the typical outcome down the middle. A model, not a promise — but an honest one.
AI, built in
Your numbers, explained in plain English
Ask the built-in assistant about any feature, field, or number — it can even draft records for you to confirm. And when you hit Analyze, AI writes a plain-English read of what changed and why — your net worth, a scenario, your month — citing your real figures, not made-up ones. It helps you understand your plan; it never gives financial advice.
Stay grounded
Net worth and performance, all in one timeline
See your net worth over time and how each holding has actually performed — time-weighted, so contributions don't flatter the numbers.
Build a what-if
Spin up a scenario in seconds
Change a retirement date, a contribution, or sell an asset in a live sandbox — the projection updates as you build, and your real plan stays untouched.
Test the future
Compare what-ifs side by side
Line your scenarios up against each other — retire at 62, 65, or 67? — and see the outcomes head to head before you commit.
Everything you own
Not just accounts — real estate, metals, crypto, and more
Connect banks, brokerages, and exchanges, then add the assets that aren't accounts. Your whole financial life in one number.
Forward, backward, and everything you own — in one view
Plenty of apps do one of these. Know Your Cashflow brings together a forward-looking cash-flow projection, backward-looking performance, and true multi-asset net worth — including the things that aren't "accounts."
Built to be trusted
Your data, protected and private
A finance tool only works if you trust it with the whole picture. Here's how we treat your information.
A look inside
Every part of your money, in one place
A moving tour of the app — projections, net worth, scenarios, and more.