🥚 Retirement Planning for Real Life

You've worked hard for what you have.

Built for people whose income doesn't fit in a single box.

MyYolk is the only retirement planning engine with a full budget tracker built in — so your spending, your income, and your retirement number all live in one place. Whether your compensation is simple or complex, MyYolk shows you exactly where you stand and what it takes to protect the good stuff.

📊 Budget tracking built right in. Most people juggle a budgeting app AND a retirement calculator — and they never talk to each other. MyYolk connects both. Your real spending feeds your real retirement number. Change one, see the other update instantly. Budgeting apps show your past. MyYolk shows your future.

Protect the Good Stuff.

Start for free → See how it works

🔒 Your data is private ⚡ Ready in minutes 📱 Works on any device

Planning for Alex & Sarah's Yolk

88% ✓

Portfolio at Retirement (Age 62)

$1.56M

↑ On track at 7% growth

Monthly Income

$5,201

Social Security

$8,359

Net Worth

$1.26M

Years to Retire

6 years

Retirement Readiness 88%

MyYolk doesn't connect to your bank. It connects to your brain.

Bank syncing is for budgeting.
MyYolk is for retirement.

We don't connect to your bank — and that's not a limitation. It's the point.

Mint connected to your accounts and showed you what already happened. MyYolk shows you what will happen — retirement projections, Social Security optimization, income scenario modeling, and budget tracking that no transaction feed can give you. Your data stays in your hands, on your terms. No Plaid. No breach risk. No surprises.

Mint shut down. Your plan shouldn't.

Features

Everything in one place.
Nothing you don't need.

MyYolk handles the complexity of modern compensation — so you don't have to.

💰

Built for the Income Calculators Ignore

Handles bonuses, stock plans, 401k matching, and every other piece of your compensation — the stuff other tools ignore.

🏛️

Social Security Planning

Upload your SSA statement or enter manually. See exactly what you get at 62, 67, and 70 — for you and your spouse.

📊

Retirement Readiness Score

A single score — 0 to 100 — that tells you exactly where you stand and what to do next.

🔀

What-If Scenarios

Work 2 more years. Claim SS at 70. Save $500 more a month. See the impact instantly, side by side.

⚡

Layoff & Early Retirement

What happens if income stops tomorrow? Model severance, unemployment, and the path forward.

☁️

Budget Tracker Built Right In

Not a separate app. Your real monthly spending feeds your real retirement number. Change one, see the other update instantly.

🎲

Monte Carlo Probability Engine

Most calculators give you one number. MyYolk runs 1,000 market scenarios to show your real probability of retirement success — because markets don't move in straight lines.

👫

Spouse & Household Planning

Two incomes, two Social Securities, one unified plan. Model your household retirement together — not as two separate people.

📄

PDF Retirement Report

Your complete retirement plan in one downloadable document. Share it, save it, or bring it to a conversation with an advisor.

📥

Statement Import PRO

Drop in CSVs from 14 major banks (Chase, BofA, Wells, Cap One, Amex, Citi, Discover, Apple Card, USAA, PNC, Home Depot, Lowe's). We auto-categorize transactions across every month — no bank logins required.

🔒

Your Data Stays Yours

CSVs processed in your browser. No bank credentials. Encrypted cloud storage. Delete your account anytime — we don't sell, share, or train AI on your data.

🇺🇸

For Every Career Path

401(k), 403(b), RSU/ESPP, profit sharing, retention bonuses, VA disability, military pension. We handle the income types other tools quietly ignore.

Why MyYolk Exists

I lost my job at 55
from the world's largest oilfield services company.

"I spent over two decades watching hardworking people earn good money — and lose it all when the bottom fell out. Expensive cars they couldn't afford. Electronics financed at Best Buy. Lavish vacations put on credit. Good people with good incomes making decisions in the moment — because nobody ever showed them the full picture of where those choices would leave them when the economy turned. I was one of the disciplined ones. Maxed my 401k, invested in company stock, never spent recklessly. But when I lost my job at 55, I still couldn't get a clear answer on whether I was actually on track. Every tool I tried was built for someone with a simple salary and a simple life. Nobody builds a tool for people like us. So I did."

Dean Sheppard, Founder — Former SLB employee, 22 years in oilfield

Built For You

Your retirement plan is only as good as the income and budget it's built on. Most tools get one or the other. MyYolk gets both — and connects them.

Whether your compensation is simple or complicated, this handles it
You're 45–60 and starting to think seriously about retirement
You've been laid off — or worry it could happen — and need a real plan
You want clarity, not a pitch from a financial advisor
You and your spouse both need to factor into the picture

The Employee

Salary, 401k, bonuses — wants a clear retirement number

✓ Made for you

The Mid-Career Professional

45–60, starting to think seriously about the finish line

✓ Made for you

The Couple

Two incomes, two Social Securities, one plan

✓ Made for you

The Laid-Off Worker

Needs to know exactly where they stand right now

✓ Made for you

The Self-Employed & Business Owner

Variable income, no employer match — wants to know if they're on track

✓ Made for you

The Pre-Retiree

5 years out, ready to get serious — wants a real number, not a guess

✓ Made for you

🔒 Privacy First

Your finances stay yours.

Retirement planning means trusting an app with real numbers. Here's how MyYolk protects what you share — clearly, no fine print.

🔐

Other users can't see your data

Every account is locked to its own user ID. Other users can never see your data — and you can't see theirs. Database-level isolation, enforced on every request.

🚫

We never sell your data

MyYolk's only revenue is subscriptions. Your finances aren't the product — no ad networks, no data brokers, no "anonymized" sharing.

🏦

No bank logins required

MyYolk doesn't ask for your bank credentials. You enter the numbers you want to plan with — nothing connects to your accounts in the background.

🔑

Encrypted in transit & at rest

Your data is encrypted on the wire (HTTPS) and at rest in Supabase — the database platform behind teams at Netflix, Microsoft, Meta, Johnson & Johnson, and 36% of Y Combinator startups.

🗑️

Delete anytime

One click in Settings clears all your data, permanently. No "we'll keep a backup just in case" — gone means gone.

Privacy questions? Email dean@myyolk.com

Pricing

Start free. Upgrade when you're ready.

No credit card required. No surprises.

Free Forever

No credit card needed — most retirement calculators stop here. MyYolk goes further.

✓ Full retirement projection
✓ Readiness score
✓ Social Security planning
✓ Budget tracker
✓ What-if scenarios
✓ Saves to this device
✕ Cloud sync across devices
✕ PDF retirement report

Start for free

You spend millions on comp packages.
Your employees don't understand them.

MyYolk for Teams gives your workforce clarity on their retirement — reducing financial stress, improving retention, and making your benefits package actually mean something.

📊

Workforce Dashboard

HR sees aggregate retirement readiness scores across your workforce — no individual data exposed.

⚙️

Pre-loaded Comp Data

Employees onboard with your 401k match, ESPP discount, and benefit details already filled in.

💡

Smart Alerts

Employees get notified when they're leaving money on the table — like not maximizing their 401k match.

Talk to us about enterprise →

No commitment. Just a conversation.

You've worked hard for what you have.

Bank syncing is for budgeting.
MyYolk is for retirement.

Everything in one place.
Nothing you don't need.

I lost my job at 55
from the world's largest oilfield services company.

Your retirement plan is only as good as the income and budget it's built on. Most tools get one or the other. MyYolk gets both — and connects them.

You don't need your statements.
Just the numbers you already know.

Your finances stay yours.

Other users can't see your data

We never sell your data

No bank logins required

Encrypted in transit & at rest

Delete anytime

Start free. Upgrade when you're ready.

You spend millions on comp packages.
Your employees don't understand them.

We build fast.
Tell us what's missing.

Know where you stand.
Start today.

You've worked hard for what you have.

Bank syncing is for budgeting.MyYolk is for retirement.

Everything in one place.Nothing you don't need.

I lost my job at 55from the world's largest oilfield services company.

Your retirement plan is only as good as the income and budget it's built on. Most tools get one or the other. MyYolk gets both — and connects them.

You don't need your statements.Just the numbers you already know.

Your finances stay yours.

Other users can't see your data

We never sell your data

No bank logins required

Encrypted in transit & at rest

Delete anytime

Start free. Upgrade when you're ready.

You spend millions on comp packages.Your employees don't understand them.

We build fast.Tell us what's missing.

Know where you stand.Start today.

Bank syncing is for budgeting.
MyYolk is for retirement.

Everything in one place.
Nothing you don't need.

I lost my job at 55
from the world's largest oilfield services company.

You don't need your statements.
Just the numbers you already know.

You spend millions on comp packages.
Your employees don't understand them.

We build fast.
Tell us what's missing.

Know where you stand.
Start today.