Culminari

Two apps, one mission

See your complete retirement arc

Whether you're projecting VA compensation or planning across every income stream, Culminari shows you the math — honestly, on your device, under your control.

Available Now — iOS · v1.1

Culminari. Veteran

Your benefits. For life.

Built for veterans with VA disability ratings. Project your tax-free VA compensation alongside your Social Security retirement benefits — from today to the horizon you choose.

VA compensation with annual COLA projections — all ratings, 10% to 100%
SMC-K special monthly compensation — stack up to three awards v1.1
Dependent benefits — adjusts as children age out
Social Security benefits claiming slider — any age 62 to 70, with crossover calculator
Social Security benefits solvency outlook — the projected trust fund depletion year, shown in your arc v1.1
DIC survivor benefit summary for 100% P&T veterans
Medicare Part B and Part D projections — with opt-out for veterans relying on other coverage v1.1
State property tax and vehicle exemptions by county
Planning horizon you choose — your arc projects to the age you set v1.1
On-device storage with iOS data protection — no accounts, no servers

Free — always

Download Free →

In Development

Everything you've prepared for.

Comprehensive retirement income projection across every benefit stream — military, federal, state, private sector, and self-employment.

Everything in the Veterans app, plus —
Military retired pay (BRS and legacy)
FERS / CSRS federal pensions
TSP, 401(k), IRA, Roth — with RMD projections
State and local government pensions
IRMAA surcharge and tax bracket modeling
Self-employment income and SE tax
What-if scenarios and stress testing

Details at launch

Building now — follow progress →

Inside the app

Designed for clarity, not complexity

A short wizard builds your profile. Then Culminari projects every benefit stream year by year — your complete arc.

Culminari for Veterans

What you earned in service stays with you — tax-free, permanent, and growing every year.

Your benefits. For life.

Get Started →

Welcome

Honest language. No jargon. No upsells.

Culminari.

Veteran

Your Life Arc

Age 42 today · Projected through 100

Monthly VA Compensation

$3,939/mo

Base rate (100%) $3,939

Dependent additions +$220

Annual (2026) $49,908

Your Arc

Every stream, every year, COLA-adjusted.

Culminari.

Veteran

Dependency & Indemnity Compensation

What your family retains

$1,699/mo

Surviving spouse · Tax-free · COLA-adjusted for life

SS Benefits Crossover

When does waiting to claim pay off?

Age	@62	@FRA	@70
68	$149k	$62k	—
74	$298k	$311k	$193k
78	$397k	$456k	$410k
82	$497k	$601k	$627k
86	$596k	$745k	$845k

🕐

SS Benefits: $14,280/yr difference

Waiting 62→70 adds $1,190/mo

Survivor & Crossover

DIC for your family. Crossover in your numbers.

How it works

Three steps to your arc

No accounts. No data collection. Everything stays on your device.

📋

Tell us about you

A short wizard asks the basics — your rating, dependents, state, and claiming preferences. Three steps, under two minutes.

See your arc

Culminari projects every income stream year by year, from today to the horizon. COLA, age-outs, crossover points — all visible at a glance.

🔒

Your data, your device

Everything stays on your iPhone, protected by iOS data protection. No servers, no analytics, no accounts.

What we believe

Built different, on purpose

🎯

Projections, not advice

Culminari applies published government formulas to your inputs. We show you the math — we don't tell you what to do with it.

🏠

Your data stays yours

No user accounts, no analytics, no Catalem servers. Your financial information is encrypted on your device. The full app adds iCloud backup — your cloud, not ours. We never see your data.

📐

Honest, not precise

We show ranges and estimates — not false certainty. The future is uncertain. Your planning tool should acknowledge that.

The highest point.