Bullseye

Free Planning Software With AI Scenario Analysis

Bullseye is a free web-based retirement planning tool that uses AI to help you model your financial future. There are no credit card requirements, no trial period that expires, and no paid tier: the application is genuinely free forever. It runs entirely in your browser and never sends your financial data to a server, so your information stays on your device.

The product is built around scenario modeling. You input your assets, income sources, goals, and expected retirement timeline. Bullseye then generates detailed year-by-year projections. The differentiator is the natural-language AI assistant. Rather than navigating forms to adjust parameters, you can ask questions in plain English: "What if the market crashes 30% next year?" or "Can I afford to retire 3 years early?" The AI recalculates your entire plan and shows you the impact in charts and side-by-side comparisons. This conversational interface makes testing scenarios faster and more intuitive than traditional calculator forms.

The site claims to track $10M+ in total assets across users and has analyzed 1,000+ scenarios. The application supports household planning: you can model retirement for yourself and your partner together so the forecast reflects shared finances and decision-making.

Money Comes In: Manual Entry Only

Bullseye does not connect to banks or brokerage accounts. You manually enter your assets, income sources, expenses, and goals. The application walks you through this in a guided wizard, asking questions about your finances step by step. As you provide information, projections update in real time.

There is no automatic syncing, no integration with Plaid or other aggregators, and no linkage to external accounts. Your financial data stays local in your browser. The privacy implications are significant: because the data never leaves your device, Bullseye cannot monitor real-time account balances or flag sudden changes. Updates are manual and deliberate. If your portfolio changes significantly or a major life event alters your income, you return to the app and update the numbers yourself.

The lack of bank connectivity is a strength for privacy but a constraint for those seeking continuous tracking. If you have a stable financial picture and update your plan periodically (quarterly, annually), the manual-entry model works fine. If you want minute-by-minute portfolio monitoring or live cash-flow tracking, Bullseye is not designed for that use case.

How the Planning Works: Scenarios, Stress Tests, and Optimization

Bullseye's core strength is scenario analysis through natural language. The AI engine lets you ask "what-if" questions about life events and market conditions. You can model divorce at a specific age, windfalls from inheritance, job loss, market downturns, delayed Social Security, or anything else that affects your retirement timeline.

The tool also offers structured optimization features. A Roth conversion optimizer compares three strategies: no conversion, staggered conversion, and fill-the-bracket optimization. You see the tax impact of each approach over your lifetime, which helps you decide whether to convert and when. A withdrawal order strategy tool sequences withdrawals from different account types (pre-tax, Roth, taxable) to minimize lifetime taxes. Tax calculations include current federal brackets, state taxes, and inflation-adjusted projections, so your forecasts account for both your current and future tax rates.

Monte Carlo simulation is built in. The tool runs 1,000+ randomized market scenarios to show your probability of success. You see percentile outcomes (10th to 90th percentile), best and worst-case scenarios, and analysis of sequence-of-returns risk. This tells you not just whether your plan works on average, but how robust it is to market timing and volatility.

Healthcare cost planning addresses a gap most calculators skip. Bullseye models pre-Medicare years (ages 55-64) with ACA Marketplace costs and subsidies or COBRA continuation. For ages 65+, it includes Medicare Parts B and D premiums, income-related premium surcharges (IRMAA), and the choice between Medigap and Medicare Advantage plans. You can also set annual healthcare costs as a line item in your budget.

Social Security optimization compares claiming ages for you and your spouse, showing lifetime benefit totals and break-even ages. The tool accounts for survivor benefits and spousal coordination, so you see the impact of one person claiming early to maximize household income while another delays.

Year-by-year projections show your account balances, income, withdrawals, investment growth, and taxes for every year of retirement. You can also use a "Reality Check" feature to compare your actual performance against the projection as years pass, so you can adjust course if needed.

Pricing and What You Get

Bullseye is completely free. The homepage and features page both state "Free forever. No credit card required." There is no paid tier, no trial period with a cutoff date, and no upsell to a premium version. The feature set described above (AI scenario analysis, Roth optimizer, withdrawal strategy, Monte Carlo, healthcare planning, Social Security optimization, year-by-year projections) is all available at no cost.

The comparison table on the features page contrasts Bullseye's free offering against "Others" pricing at $0-$99/year, positioning Bullseye as the no-cost alternative. However, the features page does not name or link to the specific competitors, so you cannot see which tools they are comparing against or verify the claims.

The site does not mention optional paid services such as financial advisory, coaching, or one-on-one guidance. If you need help beyond what the tool offers, the pricing page provides no pathway to purchase that assistance. You are using the calculator on your own.

Who This Suits and Who It Does Not

Bullseye is ideal for individuals or couples who want to test retirement scenarios without cost and without linking to bank accounts. If you value privacy and are comfortable entering data manually, the zero-knowledge architecture (data never leaves your device, encrypted even locally with per-user keys, no tracking) is a major advantage. The natural-language AI interface makes scenario testing faster than dropdown-based calculators, so it works well for exploratory planning: testing dozens of "what-if" questions to understand what matters most to your retirement success.

The tool is less suitable if you need continuous real-time portfolio monitoring or integration with your existing financial institutions. Because data stays in your browser and is never synced to a server, you cannot access your plan from multiple devices (phone, tablet, desktop). Each device maintains its own local copy. The application also assumes you are comfortable with self-directed planning and do not need professional guidance; there is no option to consult a financial advisor through Bullseye.

The free model with no ads or paid upgrades means Bullseye has no direct revenue stream described on its site. The footer states "Your data is never sold, shared, or used for advertising," so it is explicitly not a data-harvesting product. How the company sustains development is not clear from the public pages.

Bullseye appears to target US retirement planning. The tax calculations are US-centric (federal brackets, state taxes, Medicare, Social Security), so international users or those planning retirement outside the US would need to adapt inputs or use a different tool.