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Appleseed Planner
Advisor-quality Monte Carlo financial planning, built for tech workers. Free.
About Appleseed Planner
Appleseed Planner is a free financial planning tool that generates a detailed Monte Carlo retirement and wealth projection in about five minutes. With special tools for technology workers managing concentrated stock positions and equity compensation, it models equity comp, pre- and post-IPO scenarios, taxes, and stock-concentration risk — including stress tests like a "Dot Com Stress Test" and a "Layoff Stress Test." The tool pairs a detailed deterministic planning engine with an AI assistant that explains your plan in plain language and proposes scenarios to explore, such as "when can I retire" or "how much house can I afford." More than 6,500 people have built plans, modeling over $18B in assets. Appleseed Planner is free to use, and we never sell your data.
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