Retirement Planning SoftwareBuilt for Your Future

Nauma is an AI-based retirement planning software that helps you project retirement income, model savings scenarios, stress-test your plan with Monte Carlo simulation, and retire with confidence — all in one platform.

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Everything you need to retire on your terms

Nauma brings your retirement picture into focus — so you can stop worrying about the future and start planning with clarity.

Plan Your Retirement Date

Model different retirement timelines and see exactly how your savings, spending, and income sources translate into a sustainable retirement plan.

Project Retirement Income

Combine Social Security, pension, portfolio withdrawals, and other income sources into a single long-term retirement income projection.

Stress-Test Your Plan

Run Monte Carlo simulations across thousands of market scenarios to understand retirement readiness, sequence-of-returns risk, and confidence levels.

Features to create your plan

Portfolio & Account Aggregation

View investments, retirement accounts, and cash across institutions in one organized dashboard.

Financial Projections

Project your net worth, cash flow, and spending across decades. Adjust assumptions as life changes and instantly see the impact.

Monte Carlo Simulation

Stress-test your financial plan across thousands of market scenarios. Understand probabilities, risk, and confidence levels — not just a single forecast.

Advanced Tax Modeling

Model taxes across income, investments, and withdrawals over time. Compare strategies and understand the long-term tax impact on your financial plan.

Monthly Investor Reports

Receive clear monthly summaries of portfolio performance, allocation, and key changes — helping you stay in control of your investments and overall financial progress.

1:1 Financial Plan Review

Sit down with our team for a focused 60-minute review of your financial projections, strategy, and assumptions so you can identify blind spots early and make better long-term decisions.

The Benefits of Using Nauma

Nauma brings your entire financial picture into one place, so you can stop guessing and start planning.

Organized Finances

See your full financial picture in one place and understand where you're going.

Smarter Decisions

Make decisions about career, spending, investing, and retirement knowing the tradeoffs.

Confidence

Replace uncertainty with clear projections and structured planning.

Loved by Thousands of Users

See what they are saying about their experience

"I needed a tool that answers a simple question: Can I retire given my assets and needs? Somehow the whole financial industry could not produce that until the folks at nauma made it happen. Despite a simple interface, it offers the settings I need to model assets, income streams, and retirement spending. It also handles taxes across stages and lets me plan for items like long-term care. This makes it easy to compare retirement options and see what's possible. The real value is peace of mind that comes from defined goals and transparent projections."

Sergey Z.

Uber

"I can't recommend Nauma.ai enough! Their monthly investor reports are a game-changer, giving me a consolidated and comprehensive view of my portfolio that spans all my different brokerages. No more juggling multiple logins or spreadsheets. On top of that, the app itself is a joy to navigate – the user experience is incredibly intuitive and straightforward."

Hitesh A.

Google

"Nauma has made it possible for me to easily understand my finances, and even more importantly, create plans for the future that help me make decisions today."

Rajat P.

Startup, ex-Google

"The planning tool is easy to use, detailed and provides customizations for my situation. It literally took minutes to create a personalized plan with detailed charts and notes projecting my expenses and income for the next few decades. Highly recommended!"

JB T.

ex-Google

"Yo this is quite cool! A welcome addition to the toolset. Now one can project the tax implications of financial decisions year-round instead of just during tax time"

Brandon B.

"Nauma gave me clarity and confidence with my finances in a way no other tool has. It's a game-changer for tech professionals with complex equity positions, helping me model retirement, career moves, and life events in one clear, intuitive place."

Tony M.

OpenAI

"As a hobbyist investor, it is difficult to understand my portfolio's performance relative to the market. I appreciate the monthly summaries Nauma gives me, which gives me a sense of not only what has changed but how to improve."

Ursula B.

"I was so impressed with Nauma. It offers a new perspective on financial planning and is remarkably straightforward to use. I highly recommend it"

Aanchal J.

Frequently Asked Questions

Everything you need to know about Nauma's retirement planning software

Retirement Planning Features

Unlike simple retirement calculators, Nauma is a full retirement financial planning software that models income sources, taxes, spending, and investment growth together in one integrated plan. You can run scenario comparisons, stress-test with Monte Carlo simulation, and adjust assumptions in real time.

Yes. Nauma is built for retirement scenario modeling software — you can compare retiring at 55 vs. 62 vs. 67, test different spending levels, adjust expected returns, or model part-time work in early retirement. Each scenario updates your projections instantly.

Absolutely. You can project income from portfolio withdrawals, Social Security, pension, rental income, and other sources across your full retirement timeline to understand whether your income covers your spending.

Our Monte Carlo simulation runs thousands of market scenarios to assess your retirement readiness. It shows you the probability that your savings last through retirement under different market conditions — giving you confidence levels rather than a single optimistic forecast.

Retirement Savings & Projections

Our retirement forecasting software models account for U.S. tax rules, inflation, sequence-of-returns risk, and withdrawal strategies. Accuracy depends on the assumptions you provide — growth rates, spending, and Social Security estimates. We recommend reviewing your assumptions regularly as life changes.

Yes. You can include Social Security estimates, pension income, and other defined-benefit sources in your retirement income plan. Nauma treats these as income streams in your projections alongside portfolio withdrawals.

Yes. Nauma is retirement planning software for individuals at any stage — whether you're targeting traditional retirement age or pursuing financial independence and early retirement (FIRE). You can model any retirement date and see the savings and spending requirements.

Security & Privacy

Yes. Your financial data is encrypted and protected with industry-standard security protocols. We use secure connections, strong authentication, and ongoing monitoring. We never sell your data or use it for advertising.

Yes. You can enter your retirement account balances, income, and spending manually without linking any financial accounts. Your data, your control.

Support & Guidance

Not yet. Nauma provides advanced retirement planning tools and coaching to help you build and stress-test your own plan. We host live learning sessions twice a month where you can ask questions about retirement strategy and get guidance from our team.

Yes. Our Guided Plan includes a 1:1 financial plan review where our team walks through your retirement projections, assumptions, and strategy with you in a focused 60-minute session.