Financial education before and throughout retirement.
Brivoda is a retirement planning education platform. Its calculators show how savings, contributions, retirement timing and spending affect different scenarios, with explanations beside the numbers.
Brivoda explains and compares. It does not recommend what to do, and it is not a financial adviser.
Saving toward retirement
An example of contributions and growth before retirement
Example figures for a fictional household.
Calculators, projections and the Brivoda Guide show estimates based on the example numbers entered. They can be wrong, and real results will differ.
For the years ahead, wherever you are today
Building savings
Calculators model contributions, investment growth and the years until retirement.
Approaching retirement
Side-by-side views explain retirement timing, Social Security and how withdrawals work.
Already retired
Calculators show spending, healthcare costs and how long savings might last.
The saving years count, too.
The Monte Carlo calculator models contributions and investment growth before retirement, then withdrawals during retirement. Changing contribution amounts or retirement age changes the projection for the scenario being viewed.
Some of the things Brivoda does
How long savings might last
A Monte Carlo simulation runs the same savings and spending through thousands of randomly drawn market paths, then shows the range of results: how often the money lasts, and how widely the outcomes spread.
Example figures for a fictional household.
Calculators, projections and the Brivoda Guide show estimates based on the example numbers entered. They can be wrong, and real results will differ.
Social Security claiming ages, side by side
The Social Security calculator shows the estimated monthly benefit at each claiming age from 62 to 70, so the trade-off between claiming earlier and claiming later is laid out in one place. The choice stays with the member.
Example figures for a fictional household.
Calculators, projections and the Brivoda Guide show estimates based on the example numbers entered. They can be wrong, and real results will differ.
Medicare and healthcare costs after 65
The Medicare explorer sets out the Part A, Part B and Part D premiums, the income-related surcharges known as IRMAA, the enrollment windows and the late-enrollment penalties, with each term explained on the page.
Example figures for a fictional household.
Calculators, projections and the Brivoda Guide show estimates based on the example numbers entered. They can be wrong, and real results will differ.
The numbers, with the explanations beside them
Calculators explain their inputs, assumptions and results on the page. The Education Hub adds articles about saving and investing, financial literacy and family conversations.
Brivoda Guide
Brivoda Guide, an AI-powered educational guide, explains terms and results in plain language. It sends nothing to its AI providers until a member allows it. Its answers can be wrong, and its quality review is not finished.
The beta
The beta is for adults in the United States, roughly 40 to 75, who are planning for retirement or already living in it, on their own or as a couple.
During this testing phase, testers use invented example figures rather than their own finances.
We are inviting small groups to try Brivoda so we can respond personally to feedback and improve the experience. What testers notice helps decide what changes.
Free during the beta
The beta is free. Nothing in it is for sale, and Brivoda collects no payment details.
The pre-launch plan is to delete every beta account and its data, after at least 30 days’ notice by email. You can download a copy of your data at any time in Settings → Data.
Your information
- We do not sell your data or use it for advertising.
- Brivoda never asks for a Social Security number, a full legal name, a home address or a full date of birth.
- You can download a copy of your data, or delete your account, in Settings → Data. An account is deleted 30 days after you ask.
- The Brivoda Guide sends questions and selected context to AI providers, and only after you allow it. You can withdraw that permission at any time in Settings → Privacy.
- Usage analytics run only if you agree to them.
Joining the beta
To ask to join, send a request with the email address you would sign in with. Nothing else is needed, and no financial details. A request does not reserve a place.
Already invited, or already a member? Sign in