Frequently Asked Questions
Can I cancel anytime?
Yes. Cancel anytime from your account dashboard. You keep access until the end of your billing period — no surprise charges.
How many AI questions do I get each day?
Free accounts get 5 questions per day, which resets at midnight UTC. Starter gives you 15/day, Pro gives 50/day, and Premium gives 200/day. Daily limits reset automatically — no monthly cap to worry about.
Which AI powers the tax advisor?
The AI advisor draws on data from Google — combining real-world data and AI. It's fast and accurate for retirement, 403(b), and pension questions. Premium adds extended reasoning and longer, more detailed answers — best for complex multi-state comparisons, Roth conversion analysis, and nuanced pension scenarios.
Is this financial advice?
No. The AI provides educational information about tax rules, pension formulas, and IRS limits. It's not a licensed financial advisor. Always verify important decisions with your state pension system or a licensed CPA.
Do unused daily questions carry over?
No. Daily AI questions reset at midnight UTC. Unused questions from today don't carry over to tomorrow. PDF export limits reset on the 1st of each month.
What is the Retirement Readiness Score?
After you run a calculation, Starter+ plans show a personalized 0-100 score based on four factors: your savings rate, investment period, projected income coverage vs. the 80% replacement rule, and whether you're diversified across pension + 403(b). A score below 65 comes with a specific improvement tip.
How does the Monte Carlo Simulation work?
Pro and Premium plans run 300 simulations of your 403(b) growth using your exact inputs, but with varied annual returns (±5% around your stated rate). The result is a probability percentage: "87% chance of meeting your retirement income target." You also see pessimistic (p10), median (p50), and optimistic (p90) portfolio outcomes — far more realistic than a single straight-line projection.