Grace AI® by My Plan Keeper
Meet Grace. Retirement intelligence that grows with you.
Your life is more than a collection of accounts, documents, and financial decisions. Grace helps you connect what matters, understand what changes, and carry that context into the decisions and conversations ahead.
What if your retirement AI understood more than your money?
A plan for the life you want, not just the money you have.
Grace learns what matters to you, then keeps your money, health, purpose and people in one living plan, with your next step always clear.
Start freeFree to start · Chat or talk out loud · You decide what to share
So Grace starts with you.
Not with a form or your account logins. With a conversation about the life you want, and then the work to get there.
It starts with a conversation.
One question at a time, by chat or out loud.
What matters most leads.
Home opens on your goal, in your words.
Your whole life, one plan.
Money, health, purpose, people and how you spend your days, in one retirement wellbeing plan.
The why behind the numbers.
Grace writes your purpose into the plan, in your words.
From a spreadsheet you can't read to a conversation you can.
People pay for bloodwork to understand their health. Grace does that for your money. Upload a statement, a plan from another tool, or your own spreadsheet, and she tells you what it shows, what may be missing, and the one next step, in plain English: what Grace sees, what may be missing, what the document is not telling you, and questions to ask her about your numbers. No account linking.
Talk it through out loud, any time.
Grace talks by voice as well as by chat.
Wherever you are, Grace starts there.
Fifteen years from retirement, a few years out, or already there: building for the kids mid-career, planning the years together a few years from retiring, or making income last once retired and on Medicare.
Education, not advice
Grace helps you think it through and tells you when a decision needs a licensed professional.
You decide what to share
No account linking. Nothing connects to your logins.
Sources you can check
SSA.gov, Medicare.gov and IRS.gov, cited in plain sight.
Your story stays yours
Secure checkout by Stripe. We do not sell your data.
Start free. Go deeper when you want to.
Silver, free: your first conversation with Grace, a plan that is yours to keep, and one complete document review.
Gold, $129 a year: more document reviews, expanded conversations, and a living plan you update all year.
See all plans. Prices may change.
Frequently Asked Questions
What is Grace AI®?
Grace is an AI-powered retirement guide from My Plan Keeper, built to help people make more informed decisions about their money and their lives. Through natural conversations, Grace gets to know your financial situation, priorities, concerns, and goals. She brings that information together into a personalized retirement wellbeing plan that can evolve as your life changes. Think of Grace as a way to stay informed, organized, and prepared, with technology that supports your decisions and the professionals you trust.
What makes Grace different from other retirement planning tools?
Most retirement tools start with numbers. Grace starts with you. She brings together financial information, personal priorities, and the life decisions behind your retirement plans. Instead of giving you a one-time calculation, Grace helps you build a more complete picture, recognize important gaps, and understand what to consider next. And as your circumstances change, your plan can change with you.
Can Grace understand my financial documents?
Yes. Upload retirement account statements, Social Security estimates, insurance documents, or even an existing retirement plan. Grace helps you understand what is in them, identifies potential gaps or assumptions worth reviewing, and lets you ask questions about your own financial information. You can begin with one complete document review on the free Silver plan.
Do I need to connect my financial accounts?
No. You can upload documents directly without sharing your banking passwords or connecting financial accounts. You decide what information you want to share with Grace.
Can I actually have a conversation with Grace?
Absolutely. You can chat or speak with Grace naturally, whether you are exploring a retirement question, reviewing a financial document, or working through an important decision. Grace uses the context you have shared to make your conversations more relevant, so you do not have to start from scratch every time. Platinum includes expanded phone and voice access.
What if I already have a financial advisor or retirement plan?
Grace is designed to complement the guidance you already receive, not replace it. Bring your existing plan, ask questions, explore assumptions, and get organized before your next advisor meeting. You can also choose to share relevant information from your plan, helping your financial professional better understand your priorities, concerns, and decisions.
Is Grace only for people close to retirement?
No. Grace supports you whether retirement is 15 years away, right around the corner, or already part of your life. Because retirement is more than a financial milestone, Grace also helps you consider healthcare, lifestyle, family, relationships, and purpose as you prepare for the years ahead.
Will Grace help me as my life changes?
Yes. Retirement planning is not something you do once and forget. With an ongoing membership, Grace helps you revisit your plan, incorporate new information, explore changing circumstances, and keep track of your next steps. The goal is to help you stay prepared as your life evolves.
Is Grace a financial advisor?
No. Grace is an AI-powered educational guide designed to support informed financial decisions. She helps you understand information, consider your options, and prepare for conversations with qualified professionals. She does not manage investments or replace personalized advice from a licensed professional.
How much does Grace cost?
You can start with Silver for free, including one complete document review. Gold is $129 per year for ongoing retirement guidance, and Platinum is $249 per year for expanded access and deeper support. Visit our pricing page for the latest membership details.
Can my employer, financial institution, or advisor offer Grace?
Yes. My Plan Keeper works with organizations that want to provide more personalized, ongoing retirement support. Grace helps people explore their needs through conversation and develop a clearer picture of their financial situation, priorities, and decisions. With appropriate permission, that context can support more informed conversations with advisors and other professionals. For partnership opportunities, contact [email protected].