Ventures · Live
Sufficit
Your retirement plan, built in a conversation. Sufficit interviews you in plain language, runs thousands of Monte Carlo simulations and a full historical backtest in your browser, and tells you whether you can afford the life you want. No bank linking.
What Sufficit does
Full simulation without the overload.
- Conversational onboarding
- Describe your situation in a short interview instead of a hundred-field form. Sufficit asks what it needs, fills in sensible defaults, and builds a complete model you can edit any time.
- Privacy by architecture
- All simulation runs locally in your browser. No bank linking, no account credentials, and your balances stay on your device unless you choose to save a plan.
- Monte Carlo and historical backtest
- 10,000 Monte Carlo paths plus a historical backtest against real US market returns since 1871, with a plain-English explanation when they disagree.
- Answers, not dashboards
- Results lead with what you asked: yes with room to spare, or close, with the levers that matter most. Not a success percentage and a wall of charts.
Who this is for
Built for people who want clarity, not another spreadsheet.
- Anyone wondering whether they can afford the retirement they want, without linking a bank account.
- People who find traditional planners and FIRE calculators intimidating or overwhelming.
- Couples who want shared plans and spouse modeling for dual incomes and Social Security.
How we built it
Ambitious product, reusable foundation.
- Conversational onboarding instead of a hundred-field form, so the hard part is getting the inputs right without exhausting the user.
- Monte Carlo and historical backtest run in the browser. Privacy by architecture, not a privacy policy alone.
- Plain-English results that lead with the decision, not a wall of charts.
Foundation
Built on BeakerStack.
Sufficit ships on BeakerStack, Artificer Innovations' open source foundation for auth, billing, and a cross-platform React stack. That shared base lets the product focus on conversational planning and client-side simulation instead of rebuilding SaaS plumbing from scratch.
About BeakerStack →Get started
Find out if you can retire.
Start free. No bank linking. Your plan stays on your device until you choose to save it.