A free reality-check on your pay, your pension, and your benefits, built from official tables and shown with sources. No account. No card. Then a 12-step plan, and a fiduciary adviser when you want one.
Your pay has parts a normal budgeting app has never heard of. Your retirement date may come years before your neighbors'. The advice you get should start from your pay stub, not a template.
Classic or PEPRA. Which pays count toward your final comp. What a survivor option costs your monthly check. These questions decide your retirement, and most advisers have never run them.
Overtime, specialty pay, shift premiums, BAH and BAS. Budgeting tools built for a flat salary get your numbers wrong every month.
VA loan or conventional. Buy near the base or rent through the next orders. Keep the house as a rental after a PCS. Each one changes the rest of the plan.
Capture the full match. Know when a 457(b) can be tapped without penalty. Decide Roth or traditional on facts, not guesses.
Start with the numbers.
The rest of the plan follows from them.
Start free. Keep what you build. Add a person when you want one.
Pick your employer, enter your rank or step and your years of service, and see your pay, your projected pension, and your benefits laid out with the source for every number. No account needed.
Create a free account to save your dashboard, then work through the 12 steps at your own pace. Link accounts or upload a pay stub, LES, or statement, and the app reads it for you with AI so you do not type it in.
Members on the Adviser plan get an assigned fiduciary adviser and documented video meetings. Pension election, survivor options, and the move from paycheck to pension are the conversations that pay for the plan.
Every step uses your own numbers. Work them in order or jump to the one that matters this month.
The habits and decisions that make the rest of the plan stick.
Short, mid and long-term goals tied to your career timeline and retirement date.
A payoff order built around your cash flow: avalanche, snowball, or a mix.
Your 457(b), TSP, Roth IRA and taxable accounts, and what each one is for.
Life, disability and supplemental coverage sized to a demanding job and a family.
Read Step 5VA loans, buying near the base, and when a house is an asset or a burden.
Pension projection, the bridge years before Social Security, and a plan that survives a bad market.
Read Step 7Pre-tax, Roth and taxable choices, and how variable pay changes the answer.
Promotion, specialty assignments, longevity and what each does to your pension.
Wills, trusts, beneficiary designations, and keeping your family out of California probate.
Read Step 10The money side of marriage, kids, childcare and caring for parents.
A giving plan that fits the budget and reflects what matters to you.
Each employer edition models the pension system, the pay schedule and the benefits that apply to you, with the source shown for each figure.
Your CalPERS pension is your years of service, times a benefit factor set by your age when you retire, times your final compensation.
Read the guideNo. Under 2.7% at 57 you can retire from 50, and the benefit factor grows each quarter year until it reaches the full factor at 57.
Read the guidePut in at least $75 every paycheck, because the City matches your deferred comp up to that amount for the term of the MOU.
Read the guideYour LES has three money columns: what you earned, what came out, and what you set aside yourself.
Read the guideYes: keep full SGLI, and FSGLI for a spouse, for as long as you serve.
Read the guideRenting out your home after a PCS usually costs you something every month and builds something every month too.
Read the guideEverything in one place, with your real numbers and your real sources.
You pay yourself first. The plan starts from take-home pay and shows the monthly surplus you actually have.
One score across all 12 steps, updated as you make progress, so you know what to do next.
Your pension, Social Security for both spouses, and a retirement tested against hundreds of market scenarios, not one average.
What your family keeps if one of you is gone, and whether your employer coverage closes the gap.
Upload a pay stub, LES, pension statement or tax return. The app reads it with AI and fills your plan. Personal identifiers are stripped before anything is sent to the AI.
CPAs, estate attorneys, mortgage lenders and insurance agents who already know how public employee pay works. We receive no referral compensation.
An AI coach that can see your plan and answers questions in plain language. It is educational, not personal advice, and your transcripts are kept.
Fee-only. No commissions. No product sales.
Run the reality-check, keep your dashboard, and work the manual tools at your own pace.
Everything in Free, plus the tools that fill your plan for you.
Everything in Self-serve, plus a fiduciary adviser who knows your pension system.
Self-serve can be canceled anytime. The $100 Adviser plan carries a 12-month commitment billed monthly, with a release if work, family or hardship changes. Adviser plan members sign a planning agreement and receive the firm's disclosures before the first meeting.
Twenty minutes with the reality-check tells you more about your retirement than most people learn in a year. It is free, it needs no account, and every figure shows its source.