Can I retire at 55?
Now you’ll actually know.
The one question underneath all the others. MyCIO computes the honest answer from your real numbers — funding probability, the binding constraint, and the blind spot — not a confident hallucination.
Free to start · No credit card · No brokerage required · We never sell your data
probability
Monte Carlo · 2,500+ simulation paths
Tell MyCIO what you want your money to make possible. It computes whether the whole plan works, what could derail it, and the most effective ways to improve it.
Try it now — free, nothing to sign up for
One sentence in. Your number out.
Tell MyCIO about your money the way you’d tell a friend — any goal, any currency. The engine reads it, computes how funded you are, and shows every number it used.
Your band
Secure to Off track — how funded you are
Read vs assumed
every number it used, chip by chip
The earliest year
when a goal becomes comfortably yours
Tell me about your money
MyCIO computes
Click the button to see your initial financial plan — your band, the odds, the earliest year for a named goal, and the good-case / bad-case range, each figure traceable to what you said or what was assumed.
Free · anonymous · computed, not advice — you decide
See the answer
One number for the whole plan — and the ways to move it.
Example — a 52-year-old couple with €2.6M who want to retire at 57
See the answerProbability the whole plan funds
Binding constraint: retirement age
Net worth across thousands of simulated markets
It tries the combinations you’d never have time to.
Retirement timing, conversion ladders, drawdown order, trust structures, gifting plans — scored together against your plan, not one at a time. The strongest options land here, ranked by computed impact, with the math visible.
Retire at 60 + tax-aware drawdown order
64% ⇒ 84%
A structured gifting plan
estate tax −€92k
Life cover written in trust
estate keeps €280k more
MyCIO computes the trade-offs. You choose.
Illustrative example — your answer is computed from your own numbers.
Cases we didn’t write
The cases set for the people who certify financial planners.
Every year the Financial Planning Association publishes a case for the students competing in its Financial Planning Challenge — a real household, with the contradictions left in. We put each one through the engine. Read the case, then read what came out.
These case studies are set by the Financial Planning Association for its Financial Planning Challenge and are published by the FPA; each links to the FPA’s own copy. Case studies are the copyright of their authors. MyCIO is not affiliated with, endorsed by, or connected to the Financial Planning Association or CFP Board. We publish the plan our engine produced so you can read the case and judge it yourself — we make no claim to have passed, won or scored in any competition.
What drives it
Every answer starts from a balance sheet that adds up.
Accounts, home, pension, mortgage on one side; income, tax, spending and savings on the other. The model holds both — and they have to reconcile.
Balance sheet
Cashflow, reconciled
Every number traceable — assumptions visible, sources named, nothing invented.
How your numbers are handled — nothing to link, rough is fine, everything deletable
Your numbers stay yours
We don’t need your account information.
Rough numbers are enough for a good plan. Tell MyCIO about your money the way you’d tell a friend — it computes the full plan from what you said, labels every assumption it made, and shows you exactly what each real figure would sharpen. MyCIO holds no money and places no trades; it only reads what you choose to tell it.
Nothing to connect
No linking needed
No need for credentials, Plaid, or token inputs — the numbers you type are enough. Link your accounts only if you ever want to. MyCIO holds no money and places no trades; it only reads what you choose to tell it.
Rough is fine
Start with one sentence
Every number can begin as a visible, editable assumption. The plan works anyway — then shows you exactly what each real figure would sharpen. It only asks when an answer would actually move your result.
Yours to remove
See everything, delete everything
Every fact you’ve given is listed in your plan’s “Your information & sources” section, with where each one came from. Edit or remove any of it, anytime — or delete your account and all of it goes with it.
When you’re ready
Share your plan with your tax advisor
Sharing is yours to start, when it’s useful — a tax advisor, an accountant, a partner. Your link shows the plan summary they need, never the raw inputs and account details you typed, and you can revoke it any time. A quick share shows your confidence band only — never your amounts.
Encrypted in transit · stored on our own servers · isolated to your account by row-level security
Connect once · use everywhere
Add MyCIO to the AI you already use.
It runs as a custom connector — a remote MCP server. Add it once, authorize, then just ask. Every answer is computed and cited.
Sign in and this section gives you your server URL and the full setup guide. The connector signs you in through MyCIO, so it only works on an account that already exists.
Sign inReal decisions, real outcomes
See where a decision takes your life.
It thinks through every angle a great financial planner would — within the tax laws, each one cited — and reveals the actions that could improve your odds of getting there.
Examples of decisions it computes over to improve your plan
Retirement & timing
Savings & accounts
Tax moves
Debt & housing
Protection & family
Moving & cross-border
Every one of these is computed against your whole plan — together, not one at a time — and lands as options you can compare.
One plan, kept alive
The answer moves. Your plan notices.
Tax laws change
The year-by-year tax decisions, each cited to its source — and they re-derive themselves when the law changes.
Your life changes
A raise, a child, a move, an inheritance — tell it once and the whole plan recomputes around the new fact.
Markets move
When markets shift the odds, the plan re-runs against your actual holdings — not last year’s snapshot.
The plan re-checks itself and tells you when the answer moved.
G20 + financial hubs
— 29 jurisdictions: US validated to the dollar, the rest planning-grade with named sources
United States
United Kingdom
Canada
France
Germany
Italy
Japan
European Union
Australia
South Korea
India
Indonesia
China
Brazil
Mexico
Argentina
Saudi Arabia
Türkiye
South Africa
Russia
Switzerland
Netherlands
Belgium
Sweden
Singapore
Hong Kong
United Arab Emirates
Taiwan
Spain
PortugalThe honest answers.
Founder launch pricing.
Available for early users and includes the first year of Living Plan monitoring. Future cohorts may be priced higher; founder renewal rates are grandfathered.
Value Map
Your first diagnosis
Living Plan
Explore and stay monitored
billed annually ($240/yr)
Plus
MyCIO builds the complete plan
Wealth
For complex households
Cross-Border
For multi-country lives
Keep It Alive — annual Living-Plan renewal
First year bundled free with the plan build. Then keep your plan alive for about $20/mo billed annually ($240/yr) on Plus, $33/mo billed annually ($399/yr) on Wealth, or $125/mo billed annually ($1,499/yr) on Cross-Border: drift alerts, updated holdings, annual revalidation, and what changed — plus the moves you could consider. Account linking is rolling out.
Every plan is computed, not advice. MyCIO shows you the numbers and the options — you decide. No securities recommendations. No money held or managed.
Find out if you’re actually okay.
Not advice you take on faith — math you can see.
One honest answer, computed from your real numbers — in the AI you already use.
Ask your question — freeFree to start · No credit card · No brokerage required · We never sell your data