Lampyrix shows you what the rules do.
Every retirement tool shines a narrow beam on one piece of your financial picture. It is what isn't illuminated that causes the surprise you don't want.
Lampyrix lights the corners, the blind spots, and everything in between — so you can make an informed decision, and be of far more use to your planner if you have one.
Check it with a pencil
A number you cannot question is a number you cannot use. Open a figure and you get the lines that make it, carrying the amounts the model actually used. The totals add up because they are the same totals.
The comparison is more reliable than the number
Two withdrawal orders side by side tell you more than one order someone has called correct. Lampyrix compares, because a single projection claims a precision it has not earned.
It says when the plan does not work
Lampyrix names a shortfall instead of smoothing it over. It models every year to the end and shows you where the gap falls and what it would take to close it.
Who it is for
Lampyrix models every year for as long as either of you lives, so it fits a household already within about fifteen years of retiring.
That boundary lives in the software, not just the brochure. When the model cannot hold a household, it says so as they enter their dates, instead of handing them a number that looks fine.
What it does not do
Lampyrix does not tell you what to do with your money.
It is not an adviser and makes no recommendations. It shows you what the rules do to your own numbers and leaves the decision where it belongs. If you work with a planner, it improves that conversation.
Your data
Your data stays yours. We never sell it — not raw, not aggregated, not ever.
We encrypt your figures with a key that belongs to your household alone, and you can see every time someone you invited looks at them.
Availability
Lampyrix is in private beta, by invitation.
We are working with a small number of households and advisers before opening it more widely. You cannot sign up here yet. An invitation carries its own link. To ask for one, write to info@lampyrix.com.