Solutions → Financial planning software
The plan, without building the math.
The household engine takes a client’s full picture: members, accounts, incomes, and expenses. It 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, tested, 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 checks 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 a version check so two edits never silently overwrite each other. Create it over REST or MCP, update it with small deltas, and migrate a book in bulk with a dry run first. The same record is what unified household management keeps current over time.
Project and simulate
A year-by-year projection that returns the same answer on the same inputs every time, 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 a record of how it was computed.
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, coordinatedYour assumptions, your advice. The engine carries no market opinion. Assumptions are your institution’s to set, and every surface that shows an illustrative default labels it. Decision surfaces show every alternative computed, with the dollar difference, and leave the recommendation to you.
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.
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