Planomy

Planomy is a free, local-first US personal-finance and retirement planner. Its browser-based tools model year-by-year cash flow, federal and state tax, Social Security, Medicare and IRMAA, required minimum distributions, Roth conversions, Monte Carlo outcomes and historical returns without requiring an account.

Key Focus Areas

• Retirement planner — year-by-year projection of cash flow, tax, Social Security, Medicare and RMDs, run entirely in the browser
• Calculators — 37 focused calculators covering FIRE, Roth conversions, RMDs, IRMAA, take-home pay, debt payoff and college savings
• Guides — 34 plain-English guides to retirement, tax and personal-finance questions
• Tax data — dated, source-attributed IRS, SSA and CMS figures for 2026, also published as free JSON at /data/
• Local-first storage — plan data stays on the user's device unless they choose an account and cloud sync

About llms.txt Implementation

Planomy publishes both llms.txt and llms-full.txt. Each entry pairs a page with a one-line statement of the question it answers, so an assistant can route a specific question — "what is my RMD this year", "which IRMAA bracket am I in", "Roth or traditional" — to the single page that actually computes it rather than to a generic landing page. The /data/ entry additionally points at machine-readable JSON of current US tax and retirement figures, each value carrying a citation to the IRS, SSA or CMS publication it came from.