ThunderHarbor Premium Plan
Turn your numbers into a real plan
The free tier shows you where you stand. Premium gives you the year-by-year execution — Roth conversions, What-If modeling, risk analysis, and a shareable full report your advisor can open anytime.
Free
$0
Always free — no credit card
- My Situation — portfolio snapshot with real projected numbers
- Today's Actions — ranked action plan (top 3 items)
- My Retirement — interactive retirement age explorer
Premium
Early access$47
$79.99/year · forever
$47/year locked for life — never increases as long as you stay subscribed
Optimize
- 401k Optimizer — Model traditional vs. Roth contribution split — see the after-tax difference
- Bucket Strategy — Three-bucket withdrawal plan with interactive coverage dial
- Life & Spending — Go-Go / Slow-Go / No-Go phases + long-term care cost planning
- Legacy Planning — SECURE Act heir tax + charitable giving strategies (QCDs)
Explore
- What-If Workshop — Retire earlier, move to a no-tax state, change spending — full projection instantly
- Compare Scenarios — Save and compare up to 5 named strategies side by side
Analysis
- Roth Strategy — Year-by-year conversion plan optimized for your bracket and IRMAA limits
- RMD Analyzer — Forced withdrawal projections from 73 to 95 + IRMAA impact
- Social Security — Full lifetime chart with break-even analysis and survivor benefit modeling
- Healthcare — Year-by-year premiums, ACA subsidies, and Medicare income surcharges
- Risk Analysis — 1,000 Monte Carlo scenarios — probability your plan survives to age 95
- Projection Table — Every year to age 95: income, taxes, balances — shareable with your advisor
- Full Report — Complete written plan with live shareable URL for your financial advisor