Solutions → Financial planning software
The plan, without building the math.
The household engine takes a client’s full picture — members, accounts, incomes, expenses — and returns a year-by-year projection, a seeded, longevity-aware Monte Carlo, and 7 strategies that answer together: withdrawal sequencing, Social Security timing, Roth ladders against IRMAA cliffs, pension elections, and more. You build the product; the math is already built, verified, and maintained.
the live demo runs the real engines on a labeled fictional household
What you ship
Planning features in an existing product
Add a projection tab, a retirement readiness view, or a what-if panel to the product you already have — one household document over REST, rendered your way.
A full planning application
Advisor-grade or consumer-lite: the React kit's charts, decision cards, and disclosure blocks draw themselves from engine responses, themed to your brand.
A planning copilot that computes
Over MCP, an assistant creates the household, projects it, runs the strategies, and verifies its own claims before speaking — the numbers are never generated text.
How it works
One household document
Accounts by tax wrapper, income streams, liabilities, and expenses in one versioned record with optimistic concurrency — created over REST or MCP, updated with PATCH deltas, migrated in bulk with a dry run first.
Project and simulate
A deterministic year-by-year projection, then a seeded Monte Carlo that knows longevity isn’t a fixed horizon. Return assumptions are yours to supply — until then, results run on labeled illustrative defaults and say so.
Decide, together
7 coordination strategies with a computed dollar delta per recommendation and every alternative shown — never just a winner. Each decision carries its evidence record.
POST /api/v1/households # the client, as one document
POST /api/v1/households/{id}/project # projection + Monte Carlo
POST /api/v1/households/{id}/decisions # the strategies, coordinatedNo house view, no advice. The engine never carries a market opinion — assumptions are your institution’s to set, and every surface that shows an illustrative default labels it. Decision surfaces show all the alternatives computed, not a recommendation.
Where it lives in pricing. The household engine ships on every paid plan — Launch is $495 a month with 250 active households included. Pricing in full.