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Retirement planning you can just talk to
No 250-field wizard. Link your accounts, ask your question out loud, and get a real answer — backed by tested retirement math.
Ask things like
"Am I on track to retire at 65?"
"What are the odds my money lasts if the market crashes early?"
"Should I do a Roth conversion this year — and how much?"
"When should I claim Social Security?"
"Which accounts should I withdraw from first?"
The math behind the answers
- Monte Carlo success odds across thousands of market paths (including real-history crash sequences)
- Roth conversion analysis that respects tax brackets and Medicare IRMAA tiers
- Social Security claiming optimization with break-even and spousal/survivor strategy
- Tax-aware withdrawal sequencing with RMDs at 73+
- Lifetime healthcare & long-term-care cost forecasting
- Longevity planning — the joint last-survivor horizon for couples
Run them yourself on the tools page, or just ask in chat.
Why pay $144/year for a planner you have to learn? Tools like Boldin gate tax projections, Roth analysis, and Monte Carlo behind a subscription and a long setup wizard. Mali does the same caliber of math, links your accounts in 30 seconds, and lets you just ask. Voice Pro is
$4.99/mo.
The numbers are real — the AI just explains them. Every projection comes from a deterministic, unit-tested engine, not an LLM guess. No products to sell, no commissions, no data sale.
Try Mali free