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.

  1. 01 / CONNECTYour financial life.
  2. 02 / ASK

    “Could we retire
    at 55?”

    Your question.
  3. 03 / LINC DOES THE WORK
    Pulls it together Runs the numbers Tests the what-ifs
    Linc runs the analysis.
  4. 04 / EXPLORE THE RESULT
    Your retirement planWhat works. What could change.
    A clearer next step.
See how a question becomes a plan. Explore the full demo

01 / BRING IT TOGETHER

Connect your
financial life.

Connect your bank and investment accounts, then add your home, loans, or any missing details. Linc uses these numbers to build your plan.

See what you can connect
YOUR ACCOUNTS9 / 9 connected
  • ChaseConnected
  • FidelityConnected
  • SchwabConnected
  • Bank of AmericaConnected
  • Capital OneConnected
  • American ExpressConnected
  • Wells FargoConnected
  • CitiConnected
  • RobinhoodConnected
Read-only. Your money stays where it is.

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
A CONVERSATION WITH LINC
  1. YOU

    Could we retire at 55 and keep traveling?

  2. LINC

    You have $1.4M invested and spend about $6,000/month. Keep saving $36,000/year until retirement?

  3. YOU

    Yes. Add $12,000/year for travel—and compare retiring at 57.

  4. LINC

    I’d keep the travel budget and target 57. At 55, your $84,000/year plan ran out in 65 of 685 historical tests. At 57, none ran out.

    But 55 isn’t off the table: without the extra $12,000 for travel, all 685 tests lasted to 95. The real choice is two years of work versus $1,000 a month for travel.

    MEDIAN PORTFOLIO AT RETIREMENT
    Retire at 55$1.72M4.9% initial draw
    Retire at 57$1.97M4.3% initial draw
    Try your own numbers

Illustrative household. Actual calculator output.
Past results are not a forecast.

03 / EXPLORE THE WHAT-IFS

Change the assumption,
not the spreadsheet.

Try a different retirement date, a larger travel budget, or a smaller down payment. Ask a follow-up to see how it affects your plan.

See a plan in action
SAME $84,000/YEAR. A DIFFERENT RETIREMENT DATE.
Retire at
90.5%of historical plans
lasted to age 95

620 of 685 tested histories. 65 ran out before age 95.

$1.72Mmedian portfolio at retirement
4.9%initial portfolio withdrawal
55 can work if the travel budget is flexible.

At 55, removing the extra $12,000 for travel brought the histories that ran short from 65 to zero. That assumes $72,000 spending throughout retirement, not just a temporary cut.

Illustrative household. Actual calculator output.
Past results are not a forecast.

SHOW THE MATH

A clear answer.
And the work behind it.

Open Show the Math to see the numbers Linc used, the assumptions it made, and how it calculated the result.

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 decision
starts here.

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