Simple plans, honest prices
Start with your free Retirement Reality Score estimate. When you want the complete picture, the full plan is $60 a year - about $5 a month.
We have a special one-time offer for the first 100 members. See the founding offer
$0
No account needed
A first read on where you stand.
- A few quick questions - no spreadsheet, no jargon
- A preliminary estimate of your Retirement Reality Score
- No account and no bank linking required
$20/ quarter
About $6.67 a month · cancel anytime
The full plan, a season at a time.
- Your complete Retirement Reality Score, tested against thousands of simulated market futures
- Your monthly retirement paycheck, broken down source by source
- Portfolio longevity chart and year-by-year projection table
- Saved what-if scenarios - retire earlier or later, compare side by side
- Real federal and state taxes, Social Security, and Medicare built into the math
Cancel anytime - you keep access through the period you've paid for.
Choose quarterly$60/ year
About $5 a month · founding-year price
Everything in the full plan, and $20 less than paying quarterly.
- Your complete Retirement Reality Score, tested against thousands of simulated market futures
- Your monthly retirement paycheck, broken down source by source
- Portfolio longevity chart and year-by-year projection table
- Saved what-if scenarios - retire earlier or later, compare side by side
- Real federal and state taxes, Social Security, and Medicare built into the math
Cancel anytime - you keep access through the period you've paid for.
Choose annualNot ready? Get your free preliminary Score first
The first 100 members get Ivy for good!
The first 100 people can become founding lifetime members: one $100 payment for everything in the full plan, for as long as Plan with Ivy runs. No renewals, no subscription.
Exactly 100 seats - we count, and when they're gone the lifetime offer goes up to $250.
Become a founding memberFree before you pay
The quick score is the try-out - see your estimate before any payment.
Cancel anytime
No phone calls, no hoops. Canceling stops future charges, and you keep access through the period you've paid for.
No bank linking
You type your own numbers. Ivy never asks to connect your accounts.
Never sold
Your information stays encrypted in transit and is never sold.
Before you decide
Which plan should I start with?
The free quick score. It takes a few minutes and doesn't need an account. If you then want the complete picture - the full Score, your monthly retirement paycheck, and saved scenarios - the annual plan is the best subscription value at $60 a year, and while founding seats last, $100 once buys it for as long as Plan with Ivy runs.
What's the difference between the free estimate and the full Score?
The free calculator gives a preliminary estimate from a handful of inputs, using average tax, inflation and health care figures. The full plan computes your complete Retirement Reality Score with real tax and Social Security math, tests it against thousands of simulated market futures, and shows the monthly retirement paycheck behind it.
Is $60 a year the permanent price?
It's our founding-year price. If it ever changes, we'll say so well in advance - no quiet increases.
What exactly does a founding membership include?
Everything in the full plan, for as long as Plan with Ivy runs, for one $100 payment. It's limited to the first 100 members at launch, and 100 means 100 - once the seats are gone, the lifetime offer goes up to $250.
Can I cancel? What about refunds?
You can cancel anytime in your account settings or by email - no phone calls, no hoops. Canceling stops future charges, and you keep access through the end of the period you've paid for. Purchases are final once processed, which is why the quick score is free - see your estimate before you pay anything. The details live in our Subscription & Refunds policy.
See where you stand today - free
Your Retirement Reality Score estimate takes a few minutes. No account, no bank linking.
Get your free scoreOr see the plans above for the full plan.