SELF-DIRECTED FINANCIAL PLANNING
Tell Linc what you’re
trying to figure out. It builds the financial plan.
Connect your finances. Ask your question. Linc pulls it all together, runs the numbers, and gives you a plan you can explore.
Try free for 30 days. No credit card required.
- 01 / CONNECTBank accounts Investments Spending & debtYour financial life.
- 02 / ASK
“Could we retire
Your question.
at 55?” - 03 / LINC DOES THE WORKPulls it together Runs the numbers Tests the what-ifsThe analysis, handled.
- 04 / EXPLORE THE RESULTYour retirement planWhat works. What could change.A clearer next step.
01 / BRING IT TOGETHER
Connect your
financial life.
Your bank accounts, investments, home, and loans belong in the same picture. Connect your accounts or add details yourself. Linc brings the relevant numbers together.
See what you can connect- ChaseConnected
- FidelityConnected
- SchwabConnected
- Bank of AmericaConnected
- Capital OneConnected
- American ExpressConnected
- Wells FargoConnected
- CitiConnected
- RobinhoodConnected
Example connections. Availability varies by institution.
02 / ASK IN YOUR OWN WORDS
You ask the question.
Linc does the work.
Retire sooner? Buy the house? Take a year off? Tell Linc what you’re weighing and answer any clarifying questions. It runs the analysis and explains the tradeoffs.
See what you can ask- YOU
Could we retire at 55 and keep traveling?
- LINC
You have $1.4M invested and spend about $6,000/month. Keep saving $36,000/year until retirement?
- YOU
Yes. Add $12,000/year for travel—and compare retiring at 57.
- LINC
At 55, 65 of 685 historical plans ran out before age 95. At 57, none did—with the same $84,000/year budget. The vulnerable stretch is before Social Security starts at 67.
MEDIAN PORTFOLIO AT RETIREMENTTry your own numbersRetire at 55$1.72M4.9% initial drawRetire at 57$1.97M4.3% initial draw
Illustrative household. Actual calculator output.
Past results are not a forecast.
03 / EXPLORE THE WHAT-IFS
Change the assumption,
not the spreadsheet.
A different retirement date. A little more spending. A smaller down payment. Ask a follow-up and see what changes in the plan—and why.
See a plan in actionlasted to age 95
620 of 685 tested histories. 65 ran out before age 95.
Your portfolio covers the full $84,000/year until age 67. Then $36,000 of Social Security reduces that need to $48,000/year.
Illustrative household. Actual calculator output.
Past results are not a forecast.
SHOW THE MATH
A clear answer.
And the work behind it.
See the inputs, assumptions, calculations, and sources behind your answer. Purpose-built tools handle supported financial math.
See how answers are checked- 01 Inputs
- The numbers Linc used
- 02 Assumptions
- What the plan depends on
- 03 Math
- How the result was calculated
- 04 Sources
- Where the information came from
Read-only connections. Linc can’t move your money. Your financial data is never used to train AI models. How we protect your data ↗
START WITH YOUR QUESTION
Your next move
starts here.
30 days free. Then $19/month.
One plan. Full access. Cancel anytime.