Integers

Integers is a retirement planning app for households that want to run their own numbers. Instead of a single net-worth line, it produces the three statements a business uses — income statement, cash flow statement and balance sheet — for every year from now to the end of your plan, so you can see where each dollar comes from and where it goes.

Every plan is run through 1,000 simulated markets alongside the average plan, giving you the probability your money lasts and the expected range of your balance, estate and taxes. Scenarios are evaluated against the same markets and are compared side by side with your baseline: retire two years sooner, claim Social Security later, downsize at 70.

Built-in tools evaluate hundreds of withdrawal orders and Roth conversion schedules and recommend the one that leaves you the most after tax, with the effect on your chance of success shown beside it.

What it models: federal tax and income tax for all 50 states and DC with each state’s retirement rules; Social Security from the three figures on your statement; Medicare Part B and D with the income-based surcharge (IRMAA); required minimum distributions, including the still-working exception; Roth conversions with the five-year and pro-rata rules; pensions and annuities with survivor benefits; salary, bonuses and stock awards with withholding at vest; homes and mortgages including buying, selling and refinancing; one-time costs; and two retirements, where each spouse retires, claims and lives on their own timeline.

Quick setup takes about five minutes; advanced setup asks for every detail. Every figure Integers fills in is marked as an assumption and can be changed. Nothing to install, no bank linking required, and every account and tax exports to a spreadsheet year by year.

Two complete demo plans are open without signing up. Early access is free for 90 days with no credit card.