Free reality-check · No account, no card
Know exactly what your work is worth.
A few questions turn your pay into a real picture of your pension, your benefits, and your retirement, computed from verified official tables, not estimates of estimates. Pick who you are and see your number before you ever sign up.
Active-duty military · NAS Lemoore
Does your BAH actually cover your housing?
Your allowances, your TSP match, and the 20-year pension math, from the actual DoD tables. Most families are surprised.
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California teachers · CalSTRS
Which CalSTRS formula are you on?
Your pension at your age, from the official age-factor charts. CalPERS service too? We count both pensions. Most tools drop the second one.
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California police & corrections · CalPERS
3% at 50 or 2.7% at 57?
See what your formula pays at your age, and what the difference is worth each month, from the official CalPERS benefit-factor charts.
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Everyone else · W-2
Is your employer match fully captured?
The free money you may be leaving on the table, your real savings rate, and what your current path buys at retirement.
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Verified numbers, shown sourced
DoD pay and BAH tables, official CalSTRS age factors, official CalPERS benefit factors: checked, dated, and signed before they reach your screen.
Built for your pension, not around it
BRS cliffs, dual CalSTRS + CalPERS service, classic vs PEPRA formulas: the cases most planning tools skip are the ones we started with.
Backed by a real adviser
Built by Avidity Capital, a registered investment adviser. When you want a human, a fiduciary is one upgrade away.