Personal finance intelligence
See Your Retirement Age in 3 Minutes
Reign reads your financial picture and gives you a real number — not a dashboard full of charts. Then it tells you exactly what to change to get there faster.
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
$20 a month, locked for as long as you stay
The gap no tool fills
You have dashboards.
You don't have answers.
Mint showed you what you spent. YNAB helps you budget. Monarch gives you a beautiful chart. ProjectionLab lets you model a hundred scenarios.
None of them tell you what to actually do.
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 $20. 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. If that list ever changes you will get an email before it does, not after.
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. The Outlook 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 about 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 exactly what to change and how much sooner it gets you there.
Connect once, know everything
When you connect your real accounts, everything changes.
The free Outlook 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.”
— From a real Outlook, after connecting accounts
What makes this different
Dashboards show. Reign does.
| Other tools | Reign | |
|---|---|---|
| Shows you your finances | ✓ | ✓ |
| Tells you what to do | — | ✓ |
| Builds a personalized plan | — | ✓ |
| Monitors and alerts | — | ✓ |
| Runs in the background | — | ✓ |
| FI/RE-specific math | — | ✓ |
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 to do next
- 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 $20.
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.
Instead of testimonials
We launched this year. Anyone showing you glowing quotes right now is quoting their friends.
So here are four things you can check yourself, today, before you give us anything.
01
The arithmetic is on the page
Every figure in your Snapshot names its formula and its inputs. FI number is annual spending times twenty-five, and it says so. Disagree with it and you can see exactly where to disagree.
02
It works before you pay
The full Outlook is free and needs no account. You will know whether it is worth $20 a month before anyone asks you for $20 a month.
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. $20 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. Regular pricing is $40 a month.
Your real data
- ✓Every account through Plaid
- ✓Outlook rebuilt from live balances
- ✓Spending read from real transactions
The agent
- ✓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
A real Outlook from what you tell us — no card, no email, no Plaid.
- ✓The full intake wizard
- ✓Your projected retirement age
- ✓A financial health score and the agent's read
- ✓Scenario modeling — what if I saved more?
- ✓Shareable without signing up
About four minutes.
$200
a year, paid annually
$20
a month is all Reign has to find
$40
is what it costs after the 50
Why we're stopping at 50
Not as a tactic. Every connected institution costs us money each month, and an agent 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 Outlook 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 first Outlook — 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 Outlook 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 Outlook. 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.
A note from the person who built it
Founder photo
Hi, I'm Caleb.
I built Reign because I had six accounts, a spreadsheet I updated maybe twice a year, and no real idea whether any of it was working. Every app I tried showed me the same thing from a different angle — here is your money, arranged beautifully — and then went quiet exactly where my actual question started.
The question was never where the money went. It was whether I was going to be okay, and if not, what to change first.
So that is what Reign answers: a year, a gap, and one move. Then it keeps watching, because the answer stops being true the moment something changes and nobody tells you.
Caleb Sylvest
Founder · Dallas, Texas · caleb@meetreign.com