What you get
One product. The whole model.
There is no cut-down version and no feature ladder. Everything below is what Kessavo does, and the section after it is what Kessavo does not do — in the same amount of detail, on the same page.
What it does
Your household as one cash flow
Social Security, pensions, other income, spending, savings, taxes, Medicare and required distributions in a single projection — not a headline number with the moving parts hidden behind it.
Both people, not two calculators
Different claiming ages, spousal benefits, survivor benefits, a spouse pension with its own COLA and continuation terms, and per-person Medicare timing.
Evidence labels on every result
Each figure is marked for what it rests on — what you entered, what was assumed, what was derived, what rule applied, and what is still missing.
Taxes, RMDs and Medicare inside the model
Federal brackets, Social Security taxability, required distributions from your birth year, and Medicare income surcharges are computed in the same projection rather than left for you to subtract afterwards.
A comparison you choose
Set a baseline, change one thing you are actually considering, and hold every other assumption still so the difference means something.
Market range and sequence risk
Weaker, median and stronger modeled paths across 300 return sequences, including the effect of poor returns arriving early. It varies the order of returns and holds every other uncertainty fixed — it is evidence about uncertainty, not a forecast.
The formulas, in public
Every constant and rule the engine uses is published and dated on the Methodology page, so a number you distrust can be checked rather than argued with.
A report you can hand to someone
The plan as a document — assumptions, charts, calculations and limitations together, for a spouse, a CPA or a planner.
What it doesn't do
This list exists because a model that hides its edges is harder to trust than one that draws them. None of it is coming as an upsell; it is simply outside what Kessavo models.
- Healthcare beyond the Part B premium and its income surcharges — Part D premiums, Medigap, Medicare Advantage, dental, vision and hearing are yours to add to spending
- The reverse survivor case; the model runs "spouse dies first, primary survives" and does not model independent survivor claiming strategy
- Tax-return-grade detail: NIIT, QCDs, inherited-account deadlines, gifting, and per-lot cost basis
- Estate planning, insurance, and portfolio construction
- Curated tax rules for 26 states — the remaining 24 use an effective rate you set yourself
- Automatic import from SSA, a brokerage, or an employer plan; figures are entered by hand
Read that list as an agenda rather than a warning. A standalone comprehensive financial plan runs a median of $3,000 (The Kitces Report, 2024 data), and it covers ground Kessavo does not — estate, insurance, portfolio construction, tax-return-grade detail.
Kessavo is the narrower thing, and it is not a substitute for that plan. What it changes is which hour you are paying for: you arrive knowing what your income covers, what your savings have to fund, and exactly which six questions are still open.
Why it renews
Federal tax brackets move with inflation each year. Medicare income-surcharge tiers move. Required-distribution ages depend on birth year and on legislation that has changed twice in five years. Social Security figures are restated annually.
A tool whose entire claim is you can check our arithmetic cannot let those constants go stale — the published formula would still be visible and would no longer be true. So the renewal buys the thing that keeps the claim honest: current rules, and the features built in the meantime.
If a subscription lapses, nothing is taken away. A plan already produced stays readable on the version it was produced on. Renewal is how you get the new year, not how you keep the old one.
What it costs
Kessavo is in public beta and is not yet available for purchase. Pricing is announced at launch, on this page.
Kessavo is an educational decision-modeling tool. It is not individualized financial, investment, tax, legal, Social Security, or Medicare advice. It uses selected public IRS/SSA/CMS source material; Kessavo is not affiliated with or endorsed by any government agency.
Open to beta participants. Calculator inputs are processed in your browser.