Personal finance intelligence
Know the year you could stop working.
Reign reads your whole financial picture, gives you one real number, and tells you what needs attention to bring it closer.
Free. No account required. Takes 3 minutes.
Read-only via Plaid
It can see every account and move none of them
No account to start
Twelve numbers, three minutes, nothing stored
45 of 50 founding seats left
Your founding rate is locked for as long as you stay
The gap no tool fills
You have dashboards.
You don't have answers.
Your bank's app shows you what you spent. YNAB helps you budget. Monarch gives you a beautiful chart. ProjectionLab lets you model a hundred scenarios.
None of them answer the question that comes next.
The question everyone has — Am I on track? What should I change? Is this fine? — goes unanswered. You close the tab. Nothing changes.
Reign is built for the question after the dashboard.
Everything your financial data touches
Plaid
Holds your bank credentials. We never see them.
Stripe
Takes the payment. Never sees your accounts.
Supabase
Stores your numbers, encrypted, in one place.
Google Gemini
Reads your figures to write the advice. Trains on none of it.
That is the entire list. No data brokers, no ad networks, no third party buying a copy of your spending.
Start for free
See your real retirement picture in 3 minutes.
No account. No bank connection. Just your numbers.
Your projected retirement age
And how far it is from your goal
Your monthly retirement income estimate
Plus the gap you need to close
2–3 observations specific to you
Real insights Reign surfaces about your situation
The highest-leverage action available right now
Not generic advice — the one thing that moves your number most
A scenario built for you
"Save $X more/month → retire Y years earlier"
Your financial health score
A clear signal of where you stand and why
Most people have never seen a complete financial picture. This takes three minutes.
The three things people ask before they start
“I don’t want to link my bank.”
Then don’t. It runs entirely on twelve numbers you type, and it is the same engine either way. Connecting accounts replaces your estimates with real balances — it does not unlock the product.
“Isn’t this just a retirement calculator?”
A calculator answers once and forgets you. This one names the single change that moves the date most, then watches your accounts and tells you when the answer stops being true.
“I already have a spreadsheet.”
Then you are exactly who this is for, and you already know the hard part is not the arithmetic — it is noticing, every month, that something moved.
How it works
Three steps. That's it.
01
Input your numbers.
Income, assets, debts, and your goal — takes 3 minutes. No account or bank connection required to start.
02
See your projection.
Your projected retirement age, financial health score, and a graph showing exactly how you get there from here.
03
Plan your future.
A specific, prioritized plan — not generic advice. See what needs attention and how much sooner it gets you there.
Connect once, know everything
When you connect your real accounts, everything changes.
Your free number is built from what you tell us. When Reign connects to your actual bank, investment, and credit accounts through Plaid — estimates become facts.
Your spending patterns, actual balances, account structure, debt payoff trajectory — all of it flows in. Reign recalculates, surfaces what changed, and tells you what the real picture means for your plan.
Access is read-only through Plaid, the same connection technology thousands of financial apps use — Reign can never move or withdraw your money. Your data is never sold, shared, or used to train AI.
“You guessed $45,000 in your 401k. It was $61,000. You're 14 months ahead and never knew. Connect your accounts and find out where you really stand.”
Illustrative figures. Yours come from your own accounts.
What makes this different
Dashboards show. Reign does.
Same accounts. Same Monday morning. Two very different answers.
| The question | A dashboard shows you | Reign tells you |
|---|---|---|
| Am I on track? | Net worth: $412,300 ▲ 2.1% | You reach FI at age 54, a year past your goal. $350 more a month closes the gap. |
| Did something change? | Spending this month: $3,840 | Spending ran $900 high, mostly two car repairs. One-time, not a trend. |
| Is a bill going to hurt? | Upcoming: Rent, $1,640, Dec 1 | Rent lands Monday. Checking covers it with $410 to spare. |
| Do I need to do anything? | (the same chart as last week) | Nothing needs your attention this week. |
Keep the dashboard if you love it. Reign reads the same accounts and answers the question after it.
Is Reign for you
Built for one kind of person. Probably you, or maybe not.
You are
- Thirty to fifty, earning well
- Saving without a target
- Running a spreadsheet already
- Curious about FI/RE, not dogmatic
- Self-employed with lumpy income
Your money is
- Spread across six or more accounts
- Part cash, part market, part house
- Carrying debt at several rates
- Doing fine, probably, you think
- Never once seen in one place
You want
- A year, not a range
- To know what needs attention
- To know when something changes
- Arithmetic you can argue with
- To stop re-asking the same question
Not for you if
We would rather say it now than take your money.
You want envelopes and categories
That is budgeting. YNAB is genuinely better at it than we will ever be.
You want someone to manage the money
Reign is read-only and always will be. It cannot move a dollar, on purpose.
You want stock picks
Reign will never tell you what to buy. It tells you what your spending does to your date.
Check it yourself
Four things you can check before you pay.
Reign is new, so the proof is in the product. All four of these can be tested today.
01
The arithmetic is on the page
Every figure Reign shows you names its formula and its inputs. FI number is your yearly spending times 25 to 31, depending on how early you want to stop, and it says which. Disagree with it and you can see exactly where to disagree.
02
It works before you pay
The full picture is free and needs no account. You will know whether it is worth paying for before anyone asks you to pay.
03
45 of 50 seats left
The cap is real and it is small on purpose — fifty is the number one person can answer properly.
04
Thirty days, refunded in full
Email us within 30 days of your first charge and we refund it in full. No form, no retention call — the policy is written down.
Read the policyPricing
Free to find out. Paid to keep it running.
The retirement gauge costs nothing and needs no account. You pay when you connect real accounts and let Reign run in the background.
Founding member
45 of 50 seats left
$20
per month
or $200 a year — two months free
Locked at this price for as long as you stay subscribed.
Your real data
- ✓Every account through Plaid
- ✓Your numbers rebuilt from live balances
- ✓Spending read from real transactions
Ask and plan
- ✓Build your plan in conversation
- ✓Ask it anything, any time
- ✓Coast, lean and barista FI analysis
Without you
- ✓A brief every Monday
- ✓Alerts when a balance runs low or a bill is about to miss
- ✓Bills detected before they land
Cancel any time. Full refund in the first 30 days.
Free
No account needed
$0
always
Your real number from what you tell us — no card, no email, no Plaid.
- ✓The full intake wizard
- ✓Your projected retirement age
- ✓A financial health score and what it means
- ✓Scenario modeling — what if I saved more?
- ✓Shareable without signing up
Takes 3 minutes.
Why we're stopping at 50
Not as a tactic. Every connected institution costs us money each month, and a product that reads your whole financial life should answer when you ask it something. Fifty is the number we can serve properly while the product is this young.
What Reign will never do
Move your money, sell your data, or train anything on it. Reign is read-only by design — it can see every account and touch none of them. That constraint is the product, not a limitation we're working around.
Questions
Frequently asked questions
Is Reign a bank, or can it move my money?
No. Reign is not a bank, lender, or investment platform. It only reads your financial data — it never initiates a transfer, payment, or trade. Account access is read-only, end to end.
How does account connection work, and is it safe?
Reign connects to your bank, investment, and credit accounts through Plaid, the same connection technology thousands of financial apps (Venmo, Robinhood, and most banking apps) use. Reign never sees or stores your bank login — Plaid handles that exchange directly — and Reign only ever receives read-only access.
Do you sell my data or use it to train AI?
No. Your financial data is never sold, shared with third parties for marketing, or used to train any AI model. It's used only to build your retirement picture and plan, and to power Reign's monitoring of your own accounts.
Is this financial advice?
No. Reign is not a licensed financial advisor, and nothing it surfaces is personalized investment or financial advice. It's a planning and monitoring tool — the observations, projections, and recommendations are informational, meant to help you think, not a substitute for a professional when you need one.
Do I have to connect my bank accounts to use Reign?
No. Your free check — your retirement age, health score, and observations — is built entirely from numbers you enter yourself, with no account and no bank connection required. Connecting real accounts later is what upgrades those estimates to your actual numbers.
How much does Reign cost?
The free check and scenario modeling are always free. Full account connection, ongoing monitoring, and the plan builder are part of the founding membership: $20/month or $200/year, locked in for the first 50 members.
What's different from a budgeting app or dashboard?
Budgeting apps and dashboards show you numbers. Reign builds a specific plan with you, then runs in the background — monitoring your accounts, briefing you on what changed, and telling you the next highest-leverage action, instead of leaving you to interpret a chart.
Your financial future is a
3-minute conversation away.
Start with the free check. No account. No bank connection. Just clarity.
Read-only access via Plaid — Reign can't move your money. Never sold, shared, or used to train AI.
Howdy, I'm Caleb.
I built Reign because I had 12 accounts, 3 apps, and 2 spreadsheets… and no idea if I was gonna make it.
Every app did something useful, but none had the full scope and understanding of my full financial picture. And none of the products available could answer my questions.
So, I built Reign.
To solve my own problems and answer my questions about daily finances and long term retirement.
Maybe you have the same questions I did
Am I okay? Am I going to make it?
Caleb Sylvest
Founder · Dallas, Texas · @calebsylvest on X (opens in a new tab)