Can I retire at 55?
Now you’ll actually know.
The one question underneath all the others. MyCIO works it out from your real numbers: the probability of success, the one thing holding the plan back, and the blind spot.
Free to start · No credit card · No brokerage required · We never sell your data
your goals
Example household · illustrative
Tell MyCIO what you want your money to make possible. It computes whether the whole plan works, what could derail it, and the most effective ways to improve it.
Try it now — free, nothing to sign up for
A short question. A clearer starting point.
Ask about a financial goal and share a few numbers. Get an initial estimate for supported situations, then review the inputs and assumptions.
Your band
Secure to Off track — how funded you are
Read vs assumed
every number it used, chip by chip
Estimated timing
timing under the stated assumptions
Tell me about your money
MyCIO computes
Run the check to see the available estimate, inputs and assumptions. This is a starting point: some situations need more facts or are not supported.
Free · anonymous · computed, not advice — you decide
One number for the whole plan — and the ways to move it.
Example — a 52-year-old couple with €2.6M who want to retire at 57
Probability the whole plan funds
What decides it: retirement age
It tries the combinations you’d never have time to.
Retirement timing, conversion ladders, the order you take money out of accounts, trust structures, gifting plans — scored together against your plan, not one at a time. The strongest options land here, ranked by computed impact, with the math visible.
Retire at 60 + a tax-smart order for taking money out
64% ⇒ 84%
A structured gifting plan
estate tax −€92k
Life cover written in trust
estate keeps €280k more
MyCIO computes the trade-offs. You choose.
Illustrative example — your answer is computed from your own numbers.
What drives it
Every answer starts from a balance sheet that adds up.
Accounts, home, pension, mortgage on one side; income, tax, spending and savings on the other. The model holds both — and they have to reconcile.
Balance sheet
Cashflow, reconciled
Every number traceable — assumptions visible, rules named, estimates for planning.
How your numbers are handled — nothing to link, rough is fine, everything deletable
Your numbers stay yours
We don’t need your account information.
Rough numbers are enough for a good plan. Tell MyCIO about your money the way you’d tell a friend — it computes the full plan from what you said, labels every assumption it made, and shows you exactly what each real figure would sharpen. MyCIO holds no money and places no trades; it only reads what you choose to tell it.
Nothing to connect
No linking needed
No need for credentials, Plaid, or token inputs — the numbers you type are enough. Link your accounts only if you ever want to. MyCIO holds no money and places no trades; it only reads what you choose to tell it.
Rough is fine
Start with one sentence
Every number can begin as a visible, editable assumption. The plan works anyway — then shows you exactly what each real figure would sharpen. It only asks when an answer would actually move your result.
Yours to remove
See everything, delete everything
Every fact you’ve given is listed in your plan’s “Your information & sources” section, with where each one came from. Edit or remove any of it, anytime — or delete your account and all of it goes with it.
When you’re ready
Share your plan with your tax advisor
Sharing is yours to start, when it’s useful — a tax advisor, an accountant, a partner. Your link shows the plan summary they need, never the raw inputs and account details you typed, and you can revoke it any time. A quick share shows only where your plan stands — never your amounts.
Encrypted in transit · stored with our hosted database provider · isolated to your account by row-level security
Connect once · use everywhere
Add MyCIO to the AI you already use.
It runs as a custom connector — a remote MCP server. Add it once, authorize, then just ask.
Claude.ai
- 1
Open claude.ai/settings/connectors → Add a custom connector
- 2
Name it MyCIO, paste the URL, authorize
MyCIO is not listed in the Claude connector directory — add it as a custom connector. Availability depends on your Claude plan.
ChatGPT
- 1
Settings → Apps & Connectors → turn on Developer Mode
- 2
chatgpt.com/plugins → + → name it MyCIO, paste the Server URL
- 3
Authentication: OAuth → tick the risk notice → Create
Custom MCP servers need Developer Mode switched on first.
Sign in and this section gives you your server URL and the full setup guide. The connector signs you in through MyCIO, so it only works on an account that already exists.
Sign inReal decisions, real outcomes
See where a decision takes your life.
It thinks through every angle a great financial planner would — within the tax rules encoded for your country — and reveals the actions that could improve your odds of getting there.
Examples of decisions it computes over to improve your plan
Retirement & timing
Savings & accounts
Tax moves
Debt & housing
Protection & family
Moving & cross-border
Every one of these is computed against your whole plan — together, not one at a time — and lands as options you can compare.
One plan, kept alive
The answer moves. Your plan notices.
Tax laws change
The year-by-year tax decisions, each shown with the rule it used — and they re-derive themselves when the encoded law changes.
Your life changes
A raise, a child, a move, an inheritance — tell it once and the whole plan recomputes around the new fact.
Markets move
When markets shift the probabilities, the plan re-runs against your actual holdings — not last year’s snapshot.
The plan re-checks itself and tells you when the answer moved.
Tax coverage, by depth
— ten launch countries: US and UK validated by our own worked cases, eight provisional; and 21 more books we hold but have not validated
Figures are estimates for planning — computed, not advice. They are not tax-filing grade and not a substitute for a licensed adviser. Every country page lists what is encoded and what is not. See what each country covers →
The honest answers.
Founder launch pricing.
Available for early users and includes the first year of Living Plan monitoring. Future cohorts may be priced higher; founder renewal rates are grandfathered.
Value Map
Start with a question
Living Plan
Keep exploring your plan
Equivalent to $20/month; billed annually
Plus
Understand your choices and next steps
Wealth
Explore more detailed financial questions
Cross-Border
Discuss whether your situation is supported
Keep It Alive — annual Living-Plan renewal
First year bundled free with the plan build. Then keep your plan alive for about $20/mo billed annually ($240/yr) on Plus, $33/mo billed annually ($399/yr) on Wealth, or $125/mo billed annually ($1,499/yr) on Cross-Border: drift alerts, updated holdings, annual revalidation, and what changed — plus the moves you could consider. Account linking is rolling out.
Every plan is computed, not advice. MyCIO shows you the numbers and the options — you decide. No securities recommendations. No money held or managed.
Find out if you’re actually okay.
Not advice you take on faith — math you can see.
One honest answer, computed from your real numbers — in the AI you already use.
Ask your question — freeFree to start · No credit card · No brokerage required · We never sell your data