.png){kind=logo}
Type your numbers. See a range of outcomes.
1,000
A thousand simulated retirements from the numbers you type.
No login
No bank login. You enter the figures yourself.
A range
A low-to-high set of outcomes, not one guess.
As Seen On
A RANGE, NOT A NUMBER
One plan. A thousand paths.
Type your figures. Jeme runs a thousand simulated retirements and shows a range of outcomes you can plan around.
Type your figures. See a thousand simulated retirements.
A band of outcomes.
Not one forecast pretending to be certain.
Every account. One timeline.
Trad, Roth, taxable, HSA. Together in the plan.
Key features
A thousand futures. Not one forecast.
You type the figures. The engine runs them 1,000 times, flags the cliffs, and lets you attach spending to an age.
Roth window
Ages 65 to 73. Room in the bracket you choose — sized in dollars, not a rule of thumb.
Assumptions
Returns, inflation, and Social Security — every figure is one you typed and can change.
Three plans
Free, Core, and Household. What each plan actually does — no sales call.
Households building their plan
What households are saying
"I typed our balances in one evening. By morning I had a range for 58 versus 62, not a single guess."
"We share one plan. Change spend or claim age and both of us see the same range update."
"I pressure-tested a conversion year against our brackets with the figures we already knew."
1,000
Monte Carlo futures on the balances you typed, not a bank feed
"A rough first decade stopped being a gut feel. A thousand runs made the risk concrete."
"IRA, Roth, brokerage. One timeline showed which account each dollar should leave from."
"I typed our balances in one evening. By morning I had a range for 58 versus 62, not a single guess."
"We share one plan. Change spend or claim age and both of us see the same range update."
"I pressure-tested a conversion year against our brackets with the figures we already knew."
1,000
Monte Carlo futures on the balances you typed, not a bank feed
"A rough first decade stopped being a gut feel. A thousand runs made the risk concrete."
"IRA, Roth, brokerage. One timeline showed which account each dollar should leave from."
"Social Security plus an RMD year looked fine until the cliff flags lit up. We adjusted before tax day."
Typed in
Every balance, claim age, and pension figure comes from you
"Three IRAs and a brokerage finally sat on one timeline I could explain to my spouse."
"Two logins, one claim year. Household let us pressure-test Social Security against the pension cliff."
"I open the planner, change one assumption, and see success in points instead of adjectives."
"IRA, Roth, brokerage. One timeline showed which account each dollar should leave from."
"Social Security plus an RMD year looked fine until the cliff flags lit up. We adjusted before tax day."
Typed in
Every balance, claim age, and pension figure comes from you
"Three IRAs and a brokerage finally sat on one timeline I could explain to my spouse."
"Two logins, one claim year. Household let us pressure-test Social Security against the pension cliff."
"I open the planner, change one assumption, and see success in points instead of adjectives."
"IRA, Roth, brokerage. One timeline showed which account each dollar should leave from."
Three plans. Buy without a call.
Free, Core, and Household. Pick a plan and pay online.
Capabilities
What the software models for you
Plan clarity
A range of outcomes, not one prediction
One thousand simulated futures on the plan you build
Clear signals when a scenario breaks
Outcomes by account type and year
Anomalies flagged before they clear
Scenario checks
Withdrawal order across taxable, deferred, and tax free
Compare plans side by side
Limits by person or account
Layer Social Security, pensions, and draws
Full audit trail on every decision
Risk signals
Sequence risk and income cliffs in plain numbers
Historic sequence stress on every run
Historic return sequences so bad years show up in the output
IRMAA, ACA, and bracket steps called out in dollars
Spending caps you set yourself
Two logins. One plan.
Household is two people planning one life, with one shared range.
Two logins. One plan.
Share the household plan with a partner. Two logins, one range.
See the range move live.
Change one figure and watch success and safe ages update — no waiting on a feed.
Export what you typed.
Download every balance and assumption as a spreadsheet — yours to keep.
You own the plan. Your partner can edit.
Billed yearly. No sales call.
Capabilities
How Jeme works
Monte Carlo ranges, withdrawal order, Roth windows, and threshold flags. Software for deciding. Not advice.
THE LIFE YOU ARE PLANNING FOR
This is what the numbers are for
A success rate, an age range, withdrawal order, and cliff flags. You type the numbers. Jeme never asks for a bank login.
FAQs
Does Jeme link to my bank or brokerage?
No. Jeme never links to, connects with, or reads any bank, brokerage, retirement, or other financial account. Every figure in your plan is a figure you type in yourself.
Is this investment, tax, or legal advice?
No. Jeme is planning software. Projections are estimates based on assumptions you choose. Nothing in the product is investment, tax, or legal advice. Talk to a licensed professional before you act.
What plans can I buy?
Free is $0. Core is $120 a year or $14 a month. Household is $228 a year with two logins. Buy on the Pricing page. No demo call required.
What does the software actually model?
It runs Monte Carlo and historic return sequences, models withdrawal order across account types, compares plans side by side, and flags income thresholds such as IRMAA brackets where your modelled income sits close to one.
Can I export my plan?
Yes. Export every assumption and every simulation result to a spreadsheet that remains yours, on any plan.
