Simply Sam
A retirement planner you run on your own computer. You enter your accounts, your spending, and your Social Security, and Simply Sam walks the whole plan forward one year at a time, from today to the end. Your numbers stay on your machine.
Promo If you purchase now, you get the 2027 tax and regulation update, free when it arrives early next year. A $19.99 value.
All sales are final. Try the full free demo before you buy. Available in the United States.
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 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.
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.
Shown with the demo's made-up sample family.
The demo uses a made-up family. Your real plan lives only in a file on your own 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 of your plan is uploaded.
Simply Sam quietly rechecks your license with our server about once a week while you are online, to protect against piracy. It sends only your license key and a random device number, never your plan or any financial information, and if you are offline the app simply keeps working.
Setting up Simply Sam on a new computer needs an internet connection the first time, so we can check your license key. After that first activation, the app runs without one.
The download is right on the confirmation screen. Available for Windows and for Mac, both Apple Silicon and Intel. Every purchase includes all three downloads.
Bought on your phone? The same links are in your email, ready for your computer.
Free tools hold back the answers to sell a subscription. Simply Sam ships all of it for one price.
Free planning tools 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 retirement software can: it runs on your own computer, so your numbers never leave it.
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.
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.
It shows you what the numbers do. It never tells you what you should do.
No bank account linking, no bank logins, no passwords. You type your own balances in.
It cannot move, invest, or spend a dollar. It only does arithmetic.
It follows the assumptions you enter. Change them and the picture changes.
Taxes are figured at the federal level. State taxes are not included yet, and are planned for a future release.