Private alpha

PlanWitch

What's in your plan?

Bring your tax docs, your spending data, and the decision in front of you. We'll build a plan you can poke at without turning your life into a daily app.

Budgets are good at what happened. PlanWitch is for the decisions life sends you: a job change, a move, freelance taxes, a sabbatical, retirement timing, or the quiet question of whether your current plan still holds. The Plan Witch lays out what each choice will mean for your real numbers; you pick the path.

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Sample plan Built for one household

Freelance tax year If W-2 income turns 1099 in July, what should April expect?

Marginal tax rate 39%

Tax reserve target $3.8k/mo

Tax stack Shows where each new freelance dollar lands after federal, state, and self-employment tax.

Family runway How long does the plan hold if childcare jumps next fall?

Cash runway 14 mo

Buffer after move $22k

Scenario stack Childcare, housing, taxes, and cash buffer in the same frame.

Retirement trajectory What does this choice do to the date, not just this month?

Retirement shift +2.4 yr

Saved what-ifs 4

Decision memory Baseline, sabbatical, lower spend, and higher tax reserve stay comparable.

Plans, not predictions.

The Plan Witch makes estimates and lays out scenarios. She doesn't give commandments, optimize your life, or send a badge because you checked the app for the 14th day in a row. No crystal balls. Just your real numbers.

How the temporary alpha works

Add what you already have

Use budgeting exports, W-2s, 1099s, pay stubs, or tax returns as the raw material.

Review the facts

Confirm the stated facts before they affect the dashboard. Guesswork stays out.

Name the question

Pick the decision you are actually weighing, not a template for a mythical household.

Keep the dashboard

Open your plan when you need it. Close it when you do not.

Early focus

For the questions a budget app does not answer cleanly.

Can the childcare years fit without pretending daycare is cheap?

What changes if one income becomes 1099 income halfway through the year?

Does a move still work after taxes, housing, and cash buffer are in the same frame?

How much of this year's plan depends on things going unusually well?

We do not store your documents or financial data. Selected document content may pass through our secure, no-retention AI proxy to extract stated facts, and you review the results before they affect your dashboard.