Know exactly what to sell this month.
Link your brokerage accounts. Every month, we text you the exact dollar amount to withdraw from each account — based on where the market is right now, not a rule of thumb.
How It Works
Link Your Accounts
Securely connect your 401k, IRA, Roth, and brokerage accounts through Plaid. We see balances and account types — never your login credentials.
We Do the Math
Every month, we pull live market data and your current balances to calculate exactly how much you can safely withdraw.
Get a Text
On the 1st of each month, you get an SMS: "Sell $3,200 from your Fidelity 401k and $1,100 from your Schwab brokerage."
The 4% rule was never meant to be permanent.
It was based on the worst 30-year period in U.S. history. When markets are expensive, 4% is too much. When they're cheap, you're leaving money on the table. Your withdrawal rate should change with the market — and now it does.
Start NowBuilt by Fireweed Capital — a financial advisory firm on Minnesota's Iron Range. Account data secured by Plaid. We never see your passwords or have the ability to move money.