Free · no bank login · your data stays yours
Guruleaf puts every paycheck and bill on one monthly clock, so you can see what living well today actually costs. Then it carries the difference forward: slide to any age and watch your net worth, your monthly retirement income, and how long the money lasts.
No card. No bank connection. Nothing to uninstall.
Projected net worth at 65
$1.9M
Retiring at 65 · $8,382/mo to live on · portfolio lasts past 92.
Most tools show you one or the other. Guruleaf shows you the line between them.
NOW
Every paycheck and bill on one monthly clock, whatever their real frequency. Tag each line Need, Want, Both, or Save and see what the life you're currently living costs to run.
THE YEARS BETWEEN
Whatever's left over after that life is the only thing funding the next one. Guruleaf compounds it across the years you have left, alongside the balances you already hold.
LATER
The age you could stop, the income that produces each month, and the year the money runs out. Change a number today and watch all three move.
Each one changes the answer, not just the presentation.
A weekly grocery run and a yearly property tax bill are unreadable side by side. Enter each at its real frequency; Guruleaf converts everything to a monthly figure.
Real life isn't binary — the car is half necessity, half want. Tag each expense Need, Want, Both, or Save and see the split against the 50/30/20 rule.
A $2,100 mortgage means one thing in Raleigh and another in Nassau County. Every line is compared against a typical household where you actually live.
Enter your accounts, Social Security, and pension. Then drag the assumptions and watch your projected net worth — and your monthly retirement income — move with them.
Then it's yours to adjust whenever something changes.
STEP 01
Salary, a spouse's income, rental, consulting. Weekly, biweekly, monthly, yearly — whatever matches reality.
STEP 02
Bills, loans, savings transfers. Loans take an APR and balance; utilities take a provider; investments take an account.
STEP 03
Add your 401k, IRA, brokerage, home, and future Social Security. Pick a retirement age and see what it produces.
The whole thing is free. If a paid tier ever arrives, it'll be for connected accounts and saved scenarios — not for taking away what's here.
$0
Free, indefinitely
Unallocated each month
$0
share of outflow
per month
your spend / area avg
Projected net worth at 62
$0
Solid line is total net worth; the lighter line is investable assets only. The dashed marker is your retirement age.
Home equity is tracked separately from investable accounts — it grows, but you can't withdraw from it to buy groceries.
the dock holds the rest
Retirement age, investment return, inflation and retirement spending live in the Assumptions dock. Retirement spending starts from your current non-savings spending and is inflated forward; investment return is applied flat every year — see the caveat below.
read before trusting a number
Each row is a summary — click one to open its full year-by-year table.
Switching someone off blocks both the password and Google sign-in, and ends any session they already have within a couple of minutes. Admin rights are set in configuration, not here — and you cannot switch off your own account.
addresses that skip the waiting list
Anyone registering with one of these is signed in straight away. Everyone else gets an account that waits for you here.
the figures every comparison is measured against
1.00 = national average