One app, two distinct planners. Household for a traditional home-base plan. Nomad for creators, digital nomads, and location-independent workers earning across cities and countries before deciding where to land.
Both planners run on the same phase ledger. Four distinct phases — Accumulation, Tier 1 active, Tier 2 slowing, Tier 3 late care — with canonical summaries across Dashboard and Model Table. The difference between Household and Nomad is what happens inside each phase, not the shape of the plan.
See a Household example · Alex & JordanEvery figure in the app runs against Low, Mid, and High return assumptions — and every forecast is pressure-tested against 1,000 Monte Carlo paths. When we say 94% success, we mean 940 of 1,000 trials finished above your late-care safety buffer.
Retirement timing, healthcare, housing decisions, family obligations, and late care — on a single audited ledger. Household keeps the focus on the stable-base life: when to retire, how Medicare and Social Security layer in, whether the home sells or stays, and how much late-care buffer is enough.
See a Household exampleBuild the household plan around a primary residence, a spouse or partner, and the decisions that come with aging in place: Medicare timing, Social Security claim ages, retirement home purchase, bridge rentals, and the late-care buffer that protects the rest of the plan.
Most planners assume one home base and one retirement destination. That breaks for creators, digital nomads, and location-independent workers whose earning years move through multiple cities, visas, and cost profiles. Nomad models the working years in motion, then shows where and when you land for retirement.
See a Nomad example · Ava & KaiBuild your work-from-anywhere life as an ordered sequence of segments — city, duration, tax regime, housing mode, and workspace cost. The planner blends COLA across all of them, applies treaty-aware taxation, and still produces a single Low / Mid / High forecast you can defend all the way through the point where you settle for retirement.
Every country is a row: residency path, US tax treaty, cost-of-living factor, healthcare footnote, currency volatility. Drawn from live sources at L3 and above. You can override any value — the plan tracks which figures are researched vs. manually set.
Forecast4 doesn't hide behind a black box. The Model Table shows year-by-year projections with pinned columns and row-level drill-down. The Reconciliation view is a full audit trail — sources, support, draws, every dollar accounted for.
Two planner shells — Household and Nomad — plus a Reviewer lens. Four capability levels, additive only. Your view matches your mode of use, not the other way around.
Each screen is designed for a specific question. Phase-ledger summaries are canonical across Dashboard and Model Table. The Reconciliation view ties out to the penny.
I stopped trusting retirement calculators when two of them disagreed by $800K. Forecast4 is the first one that showed me exactly why — down to the tax bracket and the draw order.
Start with secure, cloud-saved scenarios on Level 1, accessible across your devices. When you want sharing, connected data, or AI explanation, raise the level. Additive, never destructive.