Nalu Money

Walk in with a plan. Nalu Money is a privacy-first retirement planning workstation for people who have outgrown casual budgeting apps. Build a tax-aware retirement plan, stress-test your assumptions, and export an advisor-style planning packet you can review with your spouse, CPA, or financial advisor. This is not a game. Nalu Money is built for serious planners: FIRE households, HENRYs, pre-retirees, analytical DIY investors, and Apple users who want a deeper planning workspace on iPad or Mac. RETIREMENT PLANNING WORKSTATION • Monte Carlo retirement projections • Success probability and confidence labels • Spending tiers: must-have, lifestyle, and legacy goals • Scenario planning for major decisions • Calendar retirement date modeling • Survivor planning for couples • Long-term care probability modeling TAX-AWARE STRATEGY • Roth conversion planning • Required Minimum Distribution context • Tax-aware withdrawal sequencing • Federal and state tax assumptions • IRMAA-aware Medicare planning • QCD and charitable planning context • Planning-grade tax estimates with clear limitations HEALTHCARE, MEDICARE & SOCIAL SECURITY • Medicare timing based on household birthdates • Part B and Part D planning defaults • Dynamic IRMAA modeling when bracket-tax Monte Carlo is enabled • Social Security claiming comparisons • Household income bridge planning EXPORT ADVISOR-STYLE REPORTS • General retirement report • Tax Strategy report • Full Advisor Packet • Monte Carlo snapshot frozen at export • Assumptions, methodology, disclosures, and engine provenance • Built for review before advisor, CPA, or spouse conversations PRIVACY FIRST • Your financial data stays on your device by default • Optional iCloud sync uses your Apple account • No ads • No data sales • No advisor lead-generation model BUILT FOR IPAD AND APPLE SILICON MAC NaluMoney shines on larger Apple screens. Review charts, assumptions, scenarios, healthcare planning, tax strategy, and exportable reports in a calm, professional workspace. 30-DAY FREE TRIAL Try NaluMoney Pro free for 30 days. Build your plan, test your assumptions, export a report, and decide whether it belongs in your financial workflow. Nalu Money provides educational, planning-grade estimates only. It is not tax, legal, investment, or financial advice. Verify material decisions with qualified professionals. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/