About Is It Time Yet?
A retirement planning tool built for people who want answers, not sales pitches.
The Problem We're Solving
Most retirement calculators fall into two categories: oversimplified tools that ignore important factors like taxes, healthcare costs, and sequence-of-returns risk—or complex software locked behind expensive financial advisor fees.
We built Is It Time Yet? because we believe everyone deserves access to professional-grade retirement planning tools without having to hand over their financial data or pay thousands in advisory fees.
Our Approach
Privacy First
No bank connections. No account syncing. You enter estimates manually, keeping your actual financial data where it belongs—with you.
Transparent Calculations
No black boxes. We show you exactly how projections are calculated, what assumptions are used, and where the numbers come from.
Real-World Scenarios
Test your plan against actual historical market crashes, not just smooth average returns. Know if your plan survives the worst.
For Everyone
Whether you're DIY-ing your retirement plan or a financial advisor helping clients, we have tools that fit your needs.
What We Believe
- Your data is yours. We'll never sell it, share it with third parties, or use it for anything other than providing the service you signed up for.
- Complexity shouldn't mean confusion. Retirement planning involves many moving parts, but the tool should make it clearer, not harder.
- Everyone deserves good tools. Professional-grade planning shouldn't be reserved for people with large portfolios or expensive advisors.
- Honesty matters. We're a planning tool, not a financial advisor. We help you model scenarios—actual financial decisions should involve qualified professionals when appropriate.
Ready to find out if it's time yet?
Start exploring your retirement timeline today. It's free to get started.