About | Hailcat LLC

Who we are

Hailcat LLC is an independent, self-funded fintech company based in New Jersey. We're small on purpose: one engine, full attention, and nobody to answer to but the people using the app.

Who's behind it

Our background is quantitative finance and actuarial science, which is a fancy way of saying we've spent our careers modeling markets, lifespans, and the tax code. At some point we noticed the retirement tools our friends were using wouldn't survive five minutes of professional scrutiny, and the ones that would were priced like enterprise software. So we built the planner we'd want our own families to use. It wore a pixel cat for its first year; it wears a halo now.

And yes, Maximillion the box-cat is on the org chart. Title: Chief Morale Officer. Responsibilities: naps, morale, and quality assurance by walking across the keyboard.

New
Jersey

Home base

Self
funded

Open to partners and investors

Quant +
actuarial

Team background

All 50
states

State tax rules modeled

Under the fur

The friendly look is a choice we made so the app feels like something you'll open twice. The engineering underneath is the choice we care most about.

Sourced, current tax tables. The planner models 2026 federal tax law and the income tax rules of every US state: brackets, deductions, capital gains, Social Security taxation, and retirement income exclusions, with each figure traced to its published source.
Actuarial modeling. Lifespans are simulated from the Social Security Administration's official life tables, sex-specific with mortality improvement. It's the same data actuaries use, not a guessed "plan to 90."
A true multi-asset Monte Carlo engine. Thousands of market paths drawn from documented capital market assumptions with full correlation structure, and you can inspect and change those assumptions in the app.

How we test, the short version

We keep the full recipe to ourselves, but the principles are simple:

Golden references. The engine's tax, annuity, and projection math is checked to the cent against independently computed reference values on every build.
Real plans, not toy examples. Every change is validated against beds of full, realistic scenarios, so updates are proven on the kind of plans people actually build, not just convenient test cases.
Deterministic simulations. The same inputs always produce exactly the same projection, on any device. That makes every change auditable and every release comparable to the last one.
Every change ships with a test. If no existing check would catch a change being wrong, a new one is written before the change lands. Hundreds of automated checks gate every release, and nothing ships while one is red.

The products

One engine, a growing product line

Hailcat is a fintech company: consumer financial software built on one planning engine. Here's the line so far.

iPHONE & iPAD

Seraph: Retirement Planner

Our flagship (formerly HailCat Retirement Planner): a retirement planner built around the two questions everyone actually asks. When can I retire, and how much can I spend? Meet the planner →

COMING SOON

Seraph: Life Expectancy

Twelve questions become a life expectancy and, more usefully, the range around it. Built on published US mortality data, calculated on your device, and the same engine now powers the personalized longevity inside the planner. Meet Seraph: Life Expectancy →

IN THE WORKS

Seraph: Retirement Planner for Android

Coming soon. Want a note when it lands? Join the waitlist →

SOMEDAY

What's next?

More financial decision tools built on the same engine. If there's something you wish existed, tell us. The roadmap has room.

Partners & investors

Let's build something together

Hailcat LLC is independent and currently self funded, and we are open to outside investors. We are also planning a series of business partnerships.

If you would like to be part of either, please reach out through our contact form. Maximillion will sit in on the meeting.

Hi, we're Hailcat