Simply Sam

Your numbers never leave your computer.

The demo runs in the cloud on a made-up sample family, never on anything of yours. The moment the plan is yours, it is the app on your own machine: your balances, your income, your whole plan stay in a file you own, on the computer you own, and never leave it, except a backup you choose to make. Nothing is uploaded.

Try the demo Buy Simply Sam, $39.99

The demo runs the sample family in your browser. Nothing to install, and nothing you do in it is your own plan.

Simply Sam is a one-time $39.99, and it is yours to keep. The whole app comes with it, and nothing inside is locked or gated. Updates are optional: $19.99 a year after your first year keeps the tax tables, contribution limits, and yearly rules current. Skip them and the app keeps working exactly as it is, on the rules from the year it shipped. Most subscription planners charge over $100 a year, every year. We built Simply Sam without that lock-in on purpose: subscriptions are how good software slides into enshittification, and we want no part of it.

Your license covers 2 computers.

What happens when you buy

1
You pay securely.
2
You download Simply Sam.
Right from the confirmation screen, for Windows or Mac.
3
Your license key comes with it.
Bought on your phone? The same links are in your email, ready for your computer.

Simply Sam, showing the dark green sidebar of sections down the left and a plan open beside it.

Summary

The whole plan on one chart.

Every year of your plan on one screen. You can see when your savings peak, when they start coming down, and whether they last as long as you need them to.

The Summary page, a chart of total savings rising to a peak and then declining across the years of the plan, with a table of years below it.

What If

Try a different plan in seconds.

Retire a year earlier. Spend a little less. Claim Social Security at a different age. Every change redraws the picture right next to your original plan.

The What If page, with sliders for retirement age and spending on the left and two plan lines drawn against each other on the right.

Markets

See the good years and the bad ones.

One steady rate of return is not how markets behave. The planner runs your plan through thousands of market paths and shows you the whole range.

A widening band of shaded outcomes around a central line, showing the spread between good and bad market runs.

Everything is included. Nothing is gated.

Free planning tools

They are generous with the intake. They take your accounts, your ages, and your goals, then hold back the answers: the Monte Carlo runs, the side-by-side scenario comparisons, the tax detail. Those are what the paid subscription is for.

Simply Sam

Works the other way. Everything it can do comes with the one-time price, and nothing inside is locked or saved for a higher tier. The full app is the app you buy.

And it does the one thing no cloud subscription can: it runs on your own computer, so your numbers never leave it.

Every room in the app

Plan Facts

Accounts

Every savings and retirement account: what is in it, how it is taxed, and what still goes in each year.

Other Assets

The big things you own that are not accounts, a home, a rental, a business, and what they add to your net worth.

Watch the tutorial

Life Insurance

Term and whole life policies, who they cover, and what they would pay the person who remains.

Watch the tutorial

Debts

What you owe, a mortgage, a car loan, a card balance, kept in view beside what you own.

Watch the tutorial

Retirement Spending

What a year of retirement costs, held as one honest number that grows with inflation, with room to shape the early and later years.

Income Sources

The money that arrives without touching savings: pay while you work, then pensions, rent, and part-time income.

Watch the tutorial

Scenarios

Full copies of your plan with one thing changed, kept safely apart so you can try anything without touching your baseline.

Watch the tutorial

Results

Summary

Your whole plan on one screen: the year it lasts through, the money at retirement, and the shape of every year in between.

Watch the tutorial

Compare

Versions of your plan side by side on the same years, including a built-in stress test and pessimistic and optimistic runs through real market history.

Watch the tutorial

Plan Report

Your whole plan written out as pages you can print or save, to keep or to hand to someone you trust.

Watch the tutorial

Playground

Social Security

Every claiming age drawn across your whole life, with lenses for the most lifetime Social Security and for the highest ending net worth.

Watch the tutorial

Roth Conversion

The low-bracket window between retiring and required withdrawals, year by year, with the tax you would pay always shown beside the benefit gained.

Taxes

Where the tax in your plan comes from, one year at a time and across the whole plan.

Monte Carlo

Your plan run through thousands of market histories on your own machine, counting how many futures your money outlasts.

What If

Life changes tried in plain words, money coming in or going out, and the ones you keep become scenarios.

Goal

Name the retirement number you want and see the honest paths to it, saving more, working longer, or a one-time addition.

What it does not do

It does not give advice.

It shows you what the numbers do. It never tells you what you should do.

It does not connect to your accounts.

No bank logins and no passwords. You type your own balances in.

It does not touch your money.

It cannot move, invest, or spend a dollar. It only does arithmetic.

It does not predict the future.

It follows the assumptions you enter. Change them and the picture changes.

It does not include state taxes yet.

Taxes are figured at the federal level. State taxes are not included yet, and are planned for a future release.

How to run it

1
One file, nothing to install.
Simply Sam is a single program. There is no installer and nothing to set up.
2
Double click it.
Your computer warns you the first time. The next section shows you exactly what to click, on Windows and on Mac.
3
It opens in your browser.
It is not a website. It runs on your computer, and it works offline.

The first time, your computer will warn you.

A brand-new app that has not been signed yet triggers a security warning: Windows shows a blue box, and Mac shows a similar one. The computer has not found a problem. It just does not recognize the publisher yet. We're in the process of having Simply Sam signed and recognized by Microsoft and Apple, so the security warnings brand-new apps get will disappear.

On Windows

1Click the small More info link.
2Click Run anyway.

On Mac

1Hold Control, click the app, and choose Open. If a small box offers an Open button, click it.
2On newer Macs that box has no Open button. Open System Settings, go to Privacy & Security, scroll down to the note about Simply Sam, and click Open Anyway.

This is the only warning to click through, and only for Simply Sam. Do not turn off your antivirus and do not add security exceptions. Once Simply Sam is signed, none of these steps will be needed. If anything looks different from what you see here, stop and contact us before continuing.

Windows protected your PC

Microsoft Defender SmartScreen prevented an unrecognized app from starting.

App: SimplySam.exe
Publisher: Unknown publisher

Run anyway Don't run

The Windows box, as an example. Yours may look slightly different.

Your Numbers, Your Retirement, Your Future

The whole plan on one chart.

Try a different plan in seconds.

See the good years and the bad ones.

Everything is included. Nothing is gated.

Every room in the app

What it does not do