Simple, transparent pricing
Explore Fidser Pro free for 90 days.
Your 90 days start when you activate the offer. Afterward, subscribing is optional: US$9.95/month or US$99.50/year. Otherwise, your account returns to Free. One offer per account. Usage limits apply.
Optional paid subscription prices
Free
Get started with the essentials
- 1 household profile
- Base case + 1 what-if scenarioNew
- Deterministic forecastA single projection based on your inputs and average expected returns. Shows one clear path forward without accounting for market variability.
- 50-year projection
- Social Security claiming optimizerNewCompare 81+ claiming combinations for couples with spousal benefits — included on Free.
- Federal and state income tax modeling
- Healthcare: ACA, Medicare & IRMAANewACA premium subsidies pre-65, Medicare Part B/D projections at 65, and IRMAA surcharges for higher earners.
- Year-by-year RMD projectionsNew
- Tax insights previewNewSee your lifetime tax estimate, average effective rate, highest marginal year, and a marginal-rate-over-time chart. Full strategy and Roth conversion tabs are Pro.
Pro
90 days free. Paid subscription optional.
No lock-in — cancel anytime
These recurring prices apply only if you choose to subscribe. Billing starts immediately if you subscribe during the offer.
- Everything in Free, plus:
- Up to 5 what-if scenarios
- Monte Carlo simulationsRuns 1,000 simulations with randomized market conditions to show the range of possible outcomes. Gives you a "success probability" based on historical market patterns.
- Earliest retirement date solverNewPro figures out the soonest age your plan still works, plus the maximum sustainable annual spending.
- State-relocation modelingNewModel moving to a different state mid-plan and see the tax impact on your retirement.
- Roth conversion planningNewModel specific Roth conversion amounts with year-by-year tax impact analysis.
- Tax-efficient withdrawal strategyNewYear-by-year withdrawal sequencing across taxable, tax-deferred, and Roth accounts to minimize lifetime tax. Builds on the Free tax insights preview with full Strategy, Roth, and Timeline tabs.
- Forecast insightsNewKey milestones, peak tax years, healthcare transitions, and trace-driven explanations of your projections.
- Annual review workflowNewGuided 4-step annual check-in to refresh balances, review projections, and confirm your plan.
- Parker AI assistantAsk what-if questions in plain English. Trained on your scenario — explains the why behind taxes, RMDs, and Social Security timing, and suggests adjustments you can apply with one click.
- Expense phase modelingGo-Go, Slow-Go, No-Go retirement spending phases.
- Goal planning & tracking
- Household sharingCollaborate with your spouse on retirement planning with access controls.
- PDF export
Common questions
When do my free 90 days start?
Your 90 days start when you explicitly activate the offer in the app after verifying your email. Following the link or signing in does not start the clock. New and existing Free users can activate once per account. Usage limits apply.
Do I need a card or bank connection? Will I be charged automatically?
No credit card required. No bank connection needed. No automatic charges. You can enter your planning numbers manually; user-confirmed financial inputs are saved to your account. The offer does not create a paid subscription.
What happens after 90 days?
Subscribing is optional: US$9.95/month or US$99.50/year. Otherwise, your account returns to Free without an automatic charge. Your financial inputs, saved scenarios and goals are retained. Multiple saved what-ifs remain viewable and become read-only; keeping one makes it editable under Free limits. Saved goals remain viewable, but editing requires Pro. Pro recalculation and export tools require active Pro access. Saved scenarios retain your planning inputs; forecasts can change when recalculated.
Can I subscribe during the offer?
Yes. If you choose to subscribe during the offer, paid billing starts immediately, as explained in the app before checkout. Payment is not deferred until day 91.
What if I already pay for Pro?
Your existing paid subscription and prices are unchanged. Paid users already have Pro and do not need to activate this offer.
Where can I see when the offer ends?
Settings shows your expiry date and subscription prices. The app displays your access status and an in-app reminder during the final seven days. There are no automated offer-reminder emails.
What personal details do you need?
Just an email to save your progress. That's it — no name, no Social Security number, no bank logins. You enter your own estimates; we don't connect to your accounts or ask for sensitive identifiers.
Is this financial advice?
No. fidser. is a forecasting tool — sophisticated calculators that model your retirement scenarios. It's for informational and educational purposes only. Use it to explore possibilities, then consult a qualified financial planner before making decisions.
Can I just try it for free?
Yes. You can activate Pro free for 90 days, once per account. The separate Free plan does not expire. It includes a base case plus one what-if scenario, the Social Security claiming optimizer (81+ couples combinations), federal/state taxes, healthcare with ACA/Medicare/IRMAA, year-by-year RMDs, and a tax insights preview — all on a 50-year projection. Use it for as long as you like. Pro adds Monte Carlo, up to 5 what-ifs, Roth conversion planning, and the full tax-efficient withdrawal strategy.
What if I upgrade and change my mind?
Cancel Pro anytime from your account settings — no phone calls, no hassle. You keep access until your billing period ends, then revert to Free. All your data stays intact.
Is my data secure?
Yes. Encrypted at rest and in transit, and we don't sell your data. Read our security practices.
Have more questions? See our full FAQ or get in touch.