A retirement planner for a household of two
You keep meaning to look at it. Then you don’t. Now you can.
ensō projects a household’s income, federal tax, health premiums and account balances month by month.
What it is built around
The subject is hard to talk about. The product is built for that.
Seasons
Retirement comes in stages: active years, slower years, and years when health sets the pace. For each stage, ensō asks the same few questions about health, family and friends, how you will spend your time, where you will live, and your wishes for care. It asks about life, not money.
Communication and collaboration
Leave a task or note for yourself, for the other person, or for both of you. Each one shows who wrote it and when, and either of you can reply. You see the other person’s marks only after you have made your own, so theirs do not steer yours.
Households, rooms and house rules
A household is the people, money and spending you describe. ensō is organised into rooms, such as Spending and Retirement. Your household can also set its own house rules for talking about money, and they are shown where you talk about it.
What-ifs are cheap
A scenario is the household with a few values changed, and it stores only the changes. Retiring two years later is a few cells, and the results sit side by side.
Videos
A tour of each part
The videos and documents are for people the administrator has approved.
0:58Introduction: the money talk, made easier
Why couples put off talking about money for retirement, and how ensō makes it easier: each of you marks what matters, it shows where you differ, and you leave each other questions. Then the household, its rooms and its house rules, and the strong retirement planner behind them all.
5:12The Front Door
Where every visit starts: whether the plan lasts, the coverage score, the balances over the years, and what has changed since the last run.
8:21The Spending room
What you actually spent, read from a Monarch export, weighed line by line, and offered to the plan only when you ask.
16:19The retirement planner, feature by feature
Every screen of the Retirement room: describing the household, running it, reading the figures, scenarios, the optimizer, and the report for an advisor.
11:40How ensō is made: the operating model and the design template
One person who decides and seven roles that start, write in one place and end; why the party measured never writes the measure; how a release happens; and the design template the interface follows.
Feedback
Tell us what you think
What is unclear, what is missing, what you would want it to do. It goes to the administrator, who reads every message.