Nalu Money

Walk in with a plan.

Most people walk into advisor meetings with questions. NaluMoney helps you walk in with a plan.

Not a budget app. A retirement planning workstation.

NaluMoney is a privacy-first retirement planning workstation built for HENRYs, FIRE-minded households, and self-directed investors who want to understand their own numbers before making major financial decisions.

Plan retirement. Test assumptions. Explore tax-aware withdrawals. Model Roth conversions, Social Security timing, RMDs, healthcare, Medicare, and long-term care. Then export a private Advisor Packet you can review with your spouse, CPA, or financial advisor.

Built for bigger retirement questions

NaluMoney is built for people asking bigger questions:

Can I retire when I want?
How much can I safely spend?
Should I convert to Roth before RMDs?
When should we claim Social Security?
How does Medicare or IRMAA affect the plan?
What happens if one spouse dies first?
What should I bring to my advisor or CPA?

Built for iPad and Apple Silicon Mac

NaluMoney shines on a larger screen. Use your iPad or Mac to review charts and reports in a focused planning workspace.

Advisor-style reports

Generate planning packets with: Monte Carlo projections, FI metrics, Social Security timing, and tax-aware withdrawal strategy.

Private by design

No ads. No data sales. No hidden advisor funnel. Your plan belongs to you, and only you.

NO ADS • NO DATA SALES • PRIVATE RETIREMENT PLANNING • ADVISOR READY • NOT aN ADVISOR FUNNEL

What future you will thank you for

Nalu Money is built for people who want to understand their own numbers before they sit down with an advisor. Your future self will be glad you did the work early.

30-day free trial

Try NaluMoney Pro free for 30 days. Build your plan, test your assumptions, export your report, and decide whether it belongs in your retirement workflow.