Multi-Cycle Planning

Multi-Cycle Planning is a free, AI-assisted financial planning platform from Multi-Cycle Capital LLC, a financial planning practice in Horsham, Pennsylvania. (This is a financial planning platform — not IVF treatment plans and not MLM software that happens to share the name.)

Deterministic software computes every number — Monte Carlo retirement analysis, taxes, cash flow. AI drafts the plain-English analysis, and it is always labeled. Advice comes from a licensed professional, never from the AI on its own. The math is code, not AI: same inputs, same answer, every time.

Your budget, net worth, protection, and personalized financial plan — all in one place. Create an account — no obligation.

Explore — no account needed

• The Business Cycle — How the economy moves in phases, and what that means for investing.
• The Inflation Calculator — See what today's money would cost and buy after years of inflation at a rate you choose. Guide: Inflation calculator guide.
• Future Value Calculator — Solve for the future value, the starting amount, the contribution, the rate of return, or the time, at a steady rate you choose. Guide: How to calculate future value.
• Volatility, Explained — How mixing different investments changes the size of the swings. Guide: Portfolio volatility calculator guide.
• 4% Rule Calculator — See how a retirement balance holds up under a first-year withdrawal rate, a return, and an inflation rate you choose. Guide: 4 percent rule calculator guide.
• The Numbers, In Context — Everyday costs and incomes across the country, state by state.
• Which State Fits? — A questionnaire for choosing where to live, now or in retirement.
• The Wedding Trade-Off — What the gap between two wedding budgets could grow into. Guide: Wedding budget calculator guide.
• Estate Planning 101 — The core documents, in plain English, and how to keep them current.
• AI Model Releases — How often the four largest AI labs ship major models — a vendor-neutral timeline.
• Data & Privacy — A plain-English look at how this platform protects your information.

Identifying fields (name, email, phone) are not sent to the AI provider; your data is not used to train AI models and is never sold. How the platform works: AI planning, explained · Before hiring any advisor: How to choose a financial advisor · Firm site: multi-cycle.com

Educational tool, not personalized advice. As with all AI in 2026, this platform can make mistakes and even hallucinate. Past performance is no guarantee of future results. Advisory services and securities offered through Lincoln Investment, Registered Investment Adviser, Broker-Dealer, Member FINRA/SIPC. Multi-Cycle Capital LLC and Lincoln Investment are independent and non-affiliated.