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R
The values that guide everything we build
Never make a financial decision based on one projection. Run at least two scenarios: your plan, and the plan where something goes wrong. Life isn't a straight line, and your retirement plan shouldn't be either.
A single “best case” forecast is a fairy tale. Markets crash. Jobs end. Unexpected expenses arrive. Sagery forces you to model both the bull market win and the bear market reality. When you see how your plan survives the bad years, you can retire with confidence—not hope.
The principle is simple: resilience beats optimization. A plan that barely works in a bull market will devastate you in a correction. We help you stress-test your retirement against multiple market climates, inflation shocks, and real-world surprises.
Most people treat taxes as an unavoidable hit. Sageryrs know that when you withdraw, where you live, and whichaccounts you tap first can save tens of thousands over a retirement. Tax optimization isn't cheating—it's designing your income.
A Roth conversion at age 60 might seem expensive today. Modeled forward 20 years through the tax code, it could save you $200k in RMDs and bracket creep. Retiring in a low-income-tax state might save you $50k over a decade. These moves compound.
Sagery models your federal tax brackets, state income taxes, capital gains treatments, RMD triggers, and Roth conversion arithmetic across multiple scenarios. We show you the after-tax income you'll actually spend—not the pre-tax fantasy.
The happiest retirees have a vision for what comes next, not just an escape from work. Your scenario should include purpose, not just portfolio value.
We've seen the research: retirees with purpose—a hobby, a passion project, a community role—report higher life satisfaction and live longer. A plan that says “spend $5,000/month” without context is incomplete. What will you spend it on? Travel? Mentoring? Starting a business? Family support?
Sagery lets you layer life goals into your projections. You can model “retire at 60 and travel full-time,” or “semi-retire at 55 and consult part-time,” or “leave the day job and volunteer with nonprofits.” Your numbers should reflect your life, not vice versa.
We will never ask for your brokerage login. Never sell your data. Never call you with a sales pitch. You enter your numbers, you own your plan, you keep your privacy. Period.
This isn't idealism—it's principle. Your financial life is nobody's business but yours. We've built Sagery to work entirely offline if you want it. No cloud sync required. No data collection. No behavioral tracking. We're not in the data business; we're in the clarity business.
Your scenario file is yours alone. Export it. Back it up. Share it with a spouse or advisor. We won't ask for access, and we won't know if you leave. Transparency and privacy are non-negotiable.
An extra $50/month, retiring 2 years later, moving to a no-income-tax state—these feel small. But modeled over 30 years, they're transformational. Sagery exists to show you exactly how transformational.
Most people underestimate the power of marginal changes. A 1% increase in savings rate, a 0.5% lower fee, a one-year delay in claiming Social Security—individually, each seems trivial. Compounded together? They're the difference between a tight retirement and an abundant one.
Our job is to make these tiny moves visible. You can see in real time how a $200/month spending cut changes your portfolio at 80. How a gig economy side hustle affects your retirement date. How a geographic move impacts your tax bill. Every small decision is modeled through three decades of retirement. No move is too small to matter.
Other tools track where your money went.
Sagery shows where your money could take you.
Thousands of Sageryrs are already planning differently. Stop tracking. Start projecting.
While other tools track where your money went yesterday, Sagery shows where your money could take you tomorrow.