About Evernest
I'm Thomas DeMille, the founder of Evernest. I'm a retired software engineer and former startup CTO in healthcare tech. I manage my own money and live off an income portfolio. Evernest started as the spreadsheets that gave me confidence in my own retirement plan, and I still use it to stress-test that plan whenever my situation changes, whether that's actual market returns or a change in my future plans.
Fair warning: this photo is about 15 years old, from my days helping grow BoomTown, a real estate tech startup. Same guy today, just with more spreadsheets (and wrinkles).
Most retirement calculators ask you to plug in a few numbers and then spit out a single figure—"You need 1.2 million dollars" or "You can retire at 67." But retirement isn't one big decision with one right answer—it's a deeply personal journey with dozens of variables: when to claim Social Security, how your spending changes as you age, whether and when you sell your house, what investment returns you actually see, and more.
I built Evernest because I believe you deserve better than oversimplified answers and wasted time struggling to model your financial future in spreadsheets. You deserve to see your retirement play out year by year, test different scenarios in real time, and understand how every decision affects your financial future. Evernest lets you model your retirement decisions visually and intuitively, whether you're wondering if you can retire early, deciding when to take Social Security, or planning a major financial event like selling your home.
My Mission
I believe retirement planning should be visual, interactive, and accessible to everyone—not just those who can afford expensive financial advisors or enterprise software that costs thousands of dollars per year. Quality retirement planning tools shouldn't be a luxury reserved for the wealthy. They should be available to anyone who wants to take control of their financial future.
My mission is to democratize retirement planning by providing powerful, professional-grade tools at prices anyone can afford. I want to empower you to make informed decisions about your retirement, whether you're just starting to save in your 30s or fine-tuning your strategy in your 60s. I believe that when people have access to clear, visual projections of their financial future, they make better decisions and retire with greater confidence.
What Makes Evernest Different
Unlike static retirement calculators that give you a single number based on rigid assumptions, Evernest is dynamic and interactive. Every chart, every projection, every analysis updates in real time as you adjust your assumptions. Want to see what happens if you delay Social Security from 62 to 70? Move a slider and watch your entire retirement timeline adjust instantly. Curious how selling your house at 75 would extend your runway? Add it as a financial event and see the impact immediately.
- Visual projections that update in real-time: See year-by-year charts showing your account balance, income sources, and spending patterns from today through age 100. Watch how every assumption change ripples through your entire retirement plan.
- Dynamic modeling of real-world decisions: Model Social Security claiming strategies, home sales, part-time work in early retirement, spending adjustments by age, large one-time expenses, and other financial events that actually happen in retirement—not just generic withdrawal rates.
- No connection to your brokerage accounts: Evernest doesn't ask for access to your bank accounts or investment accounts. Your financial data stays completely private and under your control. No data mining, no selling your information to advertisers.
- Free core features to get started, with affordable premium upgrades: The core retirement calculator is completely free, no credit card required. Premium features that unlock unlimited scenarios and advanced analysis are $3.99/month billed annually ($7.99 month-to-month) — less than a single hour with a financial advisor.
- Built by someone who plans his own retirement: I'm not selling annuities, insurance products, or managed investment accounts. Evernest makes money only from Premium subscriptions, which means my incentives are aligned with yours—Evernest succeeds when you get value from it.
My Values
Everything I build is guided by four core principles that shape how I develop features, how I price Evernest, and how I work with the people who use it.
- Transparency: No hidden fees, no surprise charges, clear pricing displayed upfront. I'm honest about what Evernest can and cannot do. It shows you the assumptions behind every projection and let you adjust them to match your situation. What you see is what you get.
- Privacy: Your financial data is yours alone. Evernest encrypts all your information, never sells your data, and never shares it with third parties. It doesn't require access to your bank accounts or investment accounts. You can use Evernest anonymously if you prefer. All of Evernest's servers and databases are located in the United States, and it's run from the US. Your plan data is stored only on US servers. Your retirement planning is personal and private, and I treat it that way.
- Accessibility: Everyone deserves access to good retirement planning tools, regardless of their income level or financial sophistication. That's why the core features are free to start with, Premium is affordable, and the interface is designed to be intuitive even if you've never used financial planning software before.
- Education: Evernest helps you understand your options and explore different scenarios, but it doesn't make decisions for you. It provides information, analysis, and projections—not investment advice or recommendations. Your retirement is yours to plan, and I'm here to give you the tools and knowledge to do it confidently.
Who Evernest Serves
Evernest is designed for anyone thinking seriously about retirement, whether you're decades away or planning to retire next year. Evernest users include people in their 50s and 60s who are close to retirement and want to stress-test their plans, people in their 30s and 40s who want to understand if they're on track, couples trying to coordinate Social Security claiming strategies, and recent retirees who want to monitor their withdrawal strategy and make sure their money lasts.
You don't need to be a financial expert to use Evernest. If you can use a spreadsheet or online banking, you can use Evernest. I've designed it to be powerful enough for sophisticated planning but simple enough for anyone to understand. Whether you're a DIY retirement planner who loves diving into the details or someone who just wants clear answers to basic questions like "when can I retire," Evernest meets you where you are.
Join a Growing Community Planning Their Retirement
Join a growing community who've discovered Evernest and are planning their retirement with more confidence. Some use it to confirm they're on track and can relax. Others discover they need to make adjustments—work a bit longer, reduce spending, or delay Social Security—and they're grateful to find out now rather than after it's too late. Still others realize they're in better shape than they thought and can retire earlier or spend more freely in retirement.
Whatever your situation, Evernest helps you see your path to retirement clearly. Start planning today—it's free to get started, and you'll have visual projections of your retirement timeline in minutes.