Choice Horizon Planning
Work becomes a choice.
Understand when financial independence makes work optional. Model retirement, test alternate futures, and see how today's decisions affect tomorrow's options.
The Better Question
Most retirement tools answer the wrong question.
Retirement is not just a date on a calendar. It is the point where your plan can support your desired life and work becomes optional.
How Unlatched Works
Build a plan, branch the future, and find your Choice Horizon.
Build Your Plan
Income, savings, spending, taxes, housing, college, investments, and equity compensation in one planning model.
Explore Alternate Futures
Retire earlier, start a business, buy a rental property, pay off the mortgage, or test a different spending path.
Find Your Choice Horizon
See when work becomes optional and how each decision moves that date forward or back.
No Registration Required
Calculate your first Choice Horizon.
Enter a few numbers to estimate the age where invested assets could support expected retirement spending. Use the full app for taxes, housing, college, equity compensation, historical scenarios, branches, and AI planning.
Product Screens
Designed for life's biggest decisions.
Choice Horizon
Track projected assets, work timing, retirement age, and major life events on one timeline.
Branches
Compare your Plan of Record against alternate futures without losing the original plan.
Assets
Model cash, taxable investments, retirement accounts, and account drawdown behavior.
Housing
Evaluate mortgages, extra payments, downsizing, rent, community fees, and property income.
College
Add education costs and timing so family decisions are part of the same financial picture.
AI Planning Assistant
Ask planning questions and explore what-if scenarios with context from your plan.
Who It's For
For people making high-impact life decisions.
Approaching Retirement
Understand whether your current plan can support the life you want.
Financial Independence / FIRE
See how savings, spending, taxes, and market history affect your timeline.
Major Life Decisions
Evaluate housing, spending, business ideas, and retirement strategies before committing.
Couples Planning Together
Build confidence around shared assumptions, tradeoffs, and future options.
AI Planning Assistant
Get answers, not just numbers.
Use AI to analyze retirement readiness, explore what-if scenarios, understand Roth conversions, and evaluate major financial decisions.
Sign in free to use the AI Planning Assistant.
Continue with Google
Pricing
Free to start. Upgrade when you need deeper planning.
Starter
$0Build a plan, create one branch, and calculate your first Choice Horizon.
Pro
Advanced planningUnlimited branches, AI planning, historical scenario analysis, and Strategy Lab.
Start Planning
What would you do if work became optional?
Calculate My Choice HorizonFree to start. No credit card required.