🏔 Service-Disabled Veteran-Owned

The highest point.

What everything builds toward.

Retirement income projection for veterans, military retirees, and government employees. Your benefits. Your arc. Your numbers — not averages.

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.

Coming Soon — iOS

Culminari. Veteran

Your benefits. For life.

Built for veterans with VA disability ratings. Project your tax-free compensation and Social Security benefits from today to the horizon.

  • VA compensation with annual COLA projections
  • Dependent benefits — adjusts as children age out
  • Social Security at 62, FRA, and 70 with crossover calculator
  • DIC survivor benefit summary for 100% P&T veterans
  • State property tax and vehicle exemptions by county
  • Medicare Part B and Part D premium projections
  • Encrypted on-device storage — no accounts, no servers

Free — always

Get Notified at Launch →
In Development

Culminari

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

$39.99 one-time purchase

Join the Waitlist →
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 90
ACT I ACT II
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 Crossover Calculator
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: $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 is encrypted on your iPhone. No servers, no analytics, no accounts. Export an encrypted backup and save it wherever you choose.

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.

Be first to know

Culminari for Veterans launches first on iOS. Drop your email and we'll notify you the moment it's available on the App Store.

No spam. One email at launch — that's it.