Retirement clarity, without the overwhelm

Ivy is an AI retirement planning assistant for people who want a straight answer to one question: will my money last? Ivy was built for real people, not financial professionals. Most people who use Ivy are between 40 and 70, and a growing number are in their thirties and just starting to think about it.

What Ivy does

You answer a few guided questions about your savings, income, spending, home and Social Security. No spreadsheets, and every term is explained as you go. Ivy turns those answers into a Retirement Reality Score from 0 to 100, a monthly retirement paycheck, and a year-by-year view of your money.

Under the hood is a Monte Carlo engine, the same projection method professional planners use. Ivy tests your plan against 2,000 possible market futures to show whether your savings are likely to last, then lets you compare what-if scenarios side by side: retiring at 60, 65 or 70, spending a little less, claiming Social Security later.

What Ivy is not

Ivy is not a financial advisor, and nothing on Plan with Ivy is financial, tax or investment advice. The results are estimates built from your own inputs and assumptions, meant to help you see your situation clearly and ask better questions, whether on your own or with a professional you trust.

We never link to your bank or brokerage accounts, so there are no logins to hand over. You type in numbers you already know. Your data is encrypted in transit and never sold, and you can edit or erase your planner data at any time.

Who makes Ivy

Plan with Ivy is made by Top Secret Ventures LLC, a small team that believes retirement planning should feel simpler, clearer and far less overwhelming than it usually does. Questions, ideas or problems: write to us at info@planwithivy.com.

Contact us

Questions, ideas or trouble signing in: write to info@planwithivy.com and a person will answer.