GlidePath Money

About

Hi, I’m Jeff. This is the money tool I’d always wanted.

Thirty-five years of money apps that never quite fit — so I built the one I always wanted: a financial planner in an app, in plain English, with your data on your own machine. Here’s the why.

I’ve been using money management tools for 35 years — Quicken, Mint, Simplifi, Monarch, MS Money before any of those. None of them were ever a great fit for me. They all showed me my balances in one place, which is fine — but whenever I tried the budgeting, the planning, the categorization, I hit a wall. I felt overwhelmed. I never quite understood how to set things up, how to keep them updated, or what the outputs were actually telling me to do next.

I’ve also spent the last 22 years working at a banking firm, which means I’ve watched the same pattern from the other side: smart people who can’t make sense of their own finances. Not because they aren’t smart enough — because the tools were built for accountants, not for them.

I think part of why so many people hire financial planners isn’t really about the advice. It’s about having someone sit across from you and talk you through things in plain English. They turn intimidating numbers into a conversation.

That’s the experience I’m trying to build into this app. The same patient, plain-English explanation of what’s happening with your money and what the numbers mean. Every chart explains itself. Every page tries to tell you “here’s where you are, and here’s what’s driving it.” It’s deep enough to answer the questions that matter — Can we retire at 62? Should we do a Roth conversion this year? Will that 0% BT promo bite us before we’ve paid it down? — but designed so the math defends itself the moment you ask how.

If you’ve felt the same intimidation, you’re not alone. I was you for a long time. Maybe this app will land differently — that’s the only reason I built it.

What I commit to

  • Your financial file stays local by default. No Plaid, no cloud database, no third-party vault for your accounts and transactions. The few things that leave your PC each show exactly what they send before you use them — and you can leave the optional cloud features off entirely. The architecture protects you, not us — and means the app keeps working even if I disappear.
  • Planning, not just tracking. The retirement math, the BT countdowns, the Roth conversion windows — these are the headline features, not afterthoughts on top of a tracker.
  • Every number is explainable. Click any (?) for the formula and the inputs. The app should defend its own conclusions.
  • Empathy, not judgment. Whether you’re behind the 8-ball or sitting on a comfortable nest egg with the same nagging “is this enough?” question, the tool meets you where you are. The past is past — we focus on where you are now and how to get you to a better future.
  • I read every email. Send feedback through the in-app button or directly to [email protected]. A human (me) answers.

How the numbers are built

The projections aren’t back-of-envelope. Retirement outcomes run a Monte Carlo simulation across hundreds of market paths to show a probability, not a single rosy line. The tax math uses the current-year federal brackets, standard deductions, RMD ages by birth year, and the Social Security taxation and ACA premium sliding scales — refreshed as the IRS and Social Security Administration publish new figures. Each relevant page links the official IRS, Social Security, or Medicare source for the rule it’s applying, and any number opens its own formula and inputs when you ask “how?” The goal is simple: you should be able to check our work.

Make it yours too

I built this for the financial outlook I wanted out of my own life — but I want it to be yours too. Please reach out with what you want to see. I’d love to improve this in ways I may not even know about yet, and I promise I’ll do my best to make this the best financial app you’ve ever owned.

— Jeff · [email protected]

One thing to be clear about: GlidePath Money is a tool for educational and informational purposes — not financial, tax, investment, or legal advice. I’m not a fiduciary advisor, CPA, or attorney. The calculations help you think; the big decisions still belong with a qualified professional.

GlidePath Money is built and operated by QuickTech LLC, an independent software company I’ve run in Illinois since 2019. That’s the name you’ll see on your receipt and in the legal docs.