Pricing
Free Version - Forever
Start planning your retirement today. No credit card. No trial period. No catch.
What You Get
- Core retirement planning - All the basics you need
- 15 year planning period
- Portfolio tracking and allocation - Multi-account support with allocation tracking
- Cash flow projections and tax estimates - See your money over time and estimate federal and state taxes
- 3 retirement scenarios - Compare different strategies and lifestyle choices
- Social Security planning - Optimize your claiming strategy
- Your data, your computer - Desktop app, no cloud required
Perfect for: Most people doing basic retirement planning
| Download Free Version (Windows) | Download Free Version (Linux) |
Pro Version - Founding Member Offer
$149 One-Time - First 200 Users Only
Be a Founding Member. Lock in this price forever.
Everything in Free, Plus:
Advanced Planning Tools:
- Adjustable planning period User selectable planning period - up to 100 years
- Unlimited scenarios - Test as many retirement and lifestyle strategies as you want
- Advanced Roth conversion optimizer - Find the optimal conversion schedule
- Monte Carlo Analysis - Variable # of iterations using selectable risk profiles
- Breakpoint & Stress Test Analysis - Find exact thresholds where your plan fails. Discover minimum required returns, maximum sustainable spending, and which assumptions matter most. Interactive charts with color-coded risk zones
- Sensitivity Analysis - Tornado charts showing which parameters have the biggest impact on success. Focus your planning on what actually matters
- Interactive goal solver - Work backwards from your retirement goals
- Sankey cash flow diagrams - Visual representation of where every dollar goes
- Editable tax parameters - Model future tax law changes (TCJA expiration, state tax scenarios)
- Advanced tax optimization - Sophisticated strategies for minimizing lifetime taxes
Founding Member Benefits:
- $149 locked in forever - Pay once, own it permanently
- Free major updates - Get all future features and improvements
- Priority support - Direct feedback channel during beta
- Founding Member badge - Recognition as an early supporter
- Influence the roadmap - Help shape future features
Regular price will be higher. Join now to lock in Founding Member pricing.
What Happens After 200?
Once we reach 200 Founding Members, the price will increase. We haven’t announced the regular price yet, but it will be significantly higher than $149.
Why the limit? We want feedback from real users before scaling. The first 200 users help us refine the product, and in exchange, they get the best price we’ll ever offer.
Frequently Asked Questions
How is this different from subscription software?
You own it. They rent it to you.
| Fatboy Financial Planner | Subscription Services |
|---|---|
| $149 once (Founding Member) | $99-$240 per year |
| Own it forever | Pay every year, forever |
| All features included | Often tier features to upsell |
| Year 5: Still $149 total | Year 5: $500-$1,200 spent |
| Year 10: Still $149 total | Year 10: $1,000-$2,400 spent |
See detailed comparison with Boldin, MaxiFi, and Pralana.
What if I start with Free and want to upgrade later?
No problem. Your Founding Member price is locked in as long as spots remain.
If you’re one of the first 200 users of the Free version and later decide to upgrade, you’ll still get the $149 Founding Member price.
After 200 Founding Members, the upgrade price will be higher.
Is the $149 price really locked in forever?
Yes. You pay $149 once. No subscriptions. No annual fees. No “upgrade to the new version” charges.
You’ll get:
- Free updates for major tax law changes
- Free feature updates and improvements
- Free bug fixes and performance improvements
- Lifetime access to the software
What payment methods do you accept?
We’ll accept credit cards, PayPal, and other common payment methods through our payment processor.
When does the Founding Member offer end?
When we reach 200 users. Could be weeks, could be months. We’re not putting a time limit on it because we’d rather get 200 engaged users than rush to hit an arbitrary deadline.
What platforms are supported?
- Windows 10/11 - Fully tested, currently in beta
- Linux - Experimental (working, being refined)
- macOS - Coming soon
Do you offer educational or non-profit discounts?
Not yet, but we’re open to it. Email us and let’s talk.
Will the Free version always be free?
Yes. The Free version will always be available at no cost with the features listed above. We believe in a genuinely useful free tier, not a crippled trial.
Not Sure Which Version You Need?
Start with Free. Seriously.
The Free version is fully functional retirement planning software. It’s not a demo. It’s not crippled. It’s not a trial.
Most people can do their entire retirement plan with 3 scenarios. If you find yourself wanting more scenarios or advanced features, upgrade to Pro. Your Founding Member pricing is locked in.
Here’s the decision matrix:
Stay with Free if:
- You’re planning a straightforward retirement
- A 15 year planning horizon is sufficient
- 3 scenarios is enough (baseline, optimistic, conservative)
- You don’t need advanced Roth conversion optimization
- You’re comfortable with basic tax planning tools
Upgrade to Pro if:
- You want to model many different strategies
- You want up to a 100 year planning horizon
- You’re doing sophisticated Roth conversion planning
- You want advanced tax optimization features
- You love data visualization (Sankey diagrams)
- You want to work backwards from specific retirement goals
Ready to Get Started?
Option 1: Start Free
No risk. No credit card. Download and start planning today.
| Download Free Version (Windows) | Download Free Version (Linux) |
Option 2: Join as a Founding Member
Lock in $149 pricing forever. Be part of shaping the product.
Buy Now - Founding Member ($149)
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