What is Harbor?

As many of us get closer to retirement, we face a lot of unique decisions we've never encountered before: How much can I afford to travel? When should I take Social Security?

Harbor is your partner for making sense of it all.

We've created expert software that will help you create a plan for your future, with step-by-step instructions, and easy-to-follow suggestions. And because you create your plan for yourself, you'll have confidence that you're making the right decisions for you.

How does it work?

Based on information you provide, our software will suggest actions you can take to make your financial plan better. Just like a regular financial planner, we provide a step-by-step guidance, explaining how it works, the options you have, and how it affects the rest of your plan.

In the background, the planner crunches all the rules and numbers so that you can focus on what matters.

By taking advantage of technology, our software provides much of the value of a financial planner, for much less effort, and almost zero cost to you.

How should I use it?

You should use Harbor to diagnose your financial situation, to educate yourself on financial decisions, and to create a plan of your own for how to manage your money up to and into retirement.  

You can come back and update your plan as often as you'd like if things change.  And the more information you give us, the better and more personalized our recommendations will be. 

What makes it different?

It's free.  
Most financial planning software is expensive and hard to understand.  We have built an experience that offers all the essentials for free.

You can update it anytime. 
You can save your plan and you can return to it any time. So as things change in your life, you can come back and get the most up-to-date recommendations. 

We are impartial and work for your best interests.  
Unlike most other sources of advice, we aren't owned by a big company trying to sell you a specific product. That let's us make a commitment to delivering advice exclusively in your best interest. 

We cut out the noise.  
We believe that simple is better. We'll help you break down your situation into simple decisions you can understand and act on.

We help you make your own decisions.  
We are advisors, not salespeople.  We're here as a sounding board, but you're always in control. 

We focus on retirement. 
Leading up to retirement, the advice is generally simple: save (and invest) as much as you can.  However, no two people have the same path in retirement. That's where we come in.


Our software makes it possible for us to deliver high-quality guidance to you for very low cost. That is why we are able to provide the planning essentials for free to all our users, for life.

We offer a premium subscription for users who want to access more sophisticated planning strategies. However these are optional--you will never have to pay to use our essential  tools.

We also make money from referring people to high-quality providers when they need specific services or products to make their plans happen.

Some of the recommendations on our site help us keep the essentials free. When you take a recommendation through Harbor (like for a an investment advisor or insurance product), we usually make some money from one of our partners (like the investment company for whom the advisor works or the insurance company who issues your policy).

We crunch the numbers of your retirement plan to give you personalized recommendations. When those recommendations are on target, we both win. But if you're not interested, that's OK too - you'll never get charged for using Harbor, unless you decide you to sign up for Planning Complete.

What if I have other questions?

When you have questions that our online tools don't answer, give us a call or use the chat button on the bottom-right to send us an note. We'll get you the answer as soon as we can.

What if I don't have much money?

Regardless of your financial situation, we think paying less tax, having a little more money, and protecting yourself from unnecessary risks are still good ideas!  And anyway, the essentials are free!