Planomy

# Planomy > Planomy is a free, local-first US personal-finance and retirement planner. Its > browser-based tools model year-by-year cash flow, federal and state tax, Social > Security, Medicare and IRMAA, required minimum distributions, Roth conversions, > Monte Carlo outcomes and historical returns without requiring an account. Planomy is educational planning software, not financial, tax or investment advice. The core planner and every calculator are free; plan data stays on the user's device unless the user chooses an account and cloud sync. ## Start here - [Planomy overview](https://planomy.net/): What the planner models, how local-first storage works, and how to open it. - [Open the retirement planner](https://planomy.net/app/): Build a detailed US retirement plan in the browser. - [Pricing](https://planomy.net/pricing): Free and Plus features, with exact monthly and annual prices. - [All financial calculators](https://planomy.net/calculators/): 37 focused calculators, free and without sign-up. - [All retirement guides](https://planomy.net/guides/): 37 plain-English guides to retirement, tax and personal-finance questions. - [2026 retirement and tax data](https://planomy.net/data/): Dated, source-attributed IRS, SSA and CMS figures, also available as JSON. ## Calculators - [401(k) Contribution Calculator With Match: 2026 Limits](https://planomy.net/calculators/401k-contribution): Free, no sign-up: find the contribution percent that captures every dollar of employer […truncated]