Your whole financial life, by the numbers.
Integers is your household's financial controller. See whether your money lasts, what each choice does to your taxes and your net worth, and how confident you can be, year by year.
Free to try. Nothing to install. Your data stays private.
Look around before you sign up.
Two made-up households with complete plans. Explore either one: every page, every chart, the tools and the downloads. Only saving is disabled.
Build confidence in your financial future.
Every plan is run through 1,000 simulated markets as well as the path you expect, so you can evaluate the probability of your plan's success.
- The likelihood your money lasts, with plain English explanations
- Expected range of your balance, estate, and taxes
- Notes on what to look at, from a Medicare surcharge to a better withdrawal order
Your household's books, for every year.
An income statement, a cash flow statement and a balance sheet for each year of the plan: the same three reports a business uses to manage its finances.
- Every line itemized both graphically and in text, side by side
- Step through any year of the plan with the year selector or your arrow keys, and see your finances evolve over time
- Click any figure you entered to change it
Try every what-if, side by side.
Retire two years sooner, claim Social Security later, downsize at 70. Each scenario is run against the same 1,000 simulated markets, with each compared to your baseline plan.
- Create unlimited scenarios, each fully customizable
- Every change from your baseline plan listed at the top of the scenario
- Your baseline plan's balance overlaid on each scenario's chart
- Convert a scenario to your baseline plan with one click
Optimize your withdrawals and Roth conversions.
The withdrawal order and Roth conversion tools evaluate hundreds of alternatives and recommend the one that leaves you the most after tax, with its effect on your chance of success shown beside it.
- The order and share to withdraw from each account, for each phase of retirement
- The amount to convert to Roth each year, and the years to convert
- Save it as a new scenario or update the existing plan with one click
Choose your level of detail.
Quick setup asks for the essentials and takes about five minutes. Advanced setup asks for every detail and takes about fifteen. Either way, every figure Integers fills in for you is marked as an assumption, and every value can be changed at any time.
- Every assumption is marked and listed in one place, each linked to the field that holds it
- Every value can be changed in the Edit plan panel, beside your results
- Each change updates your plan immediately; simulated markets update with one click
Treat your family finances like a business.
A business manages income, pays its bills, and creates value for its owners. So does your household. Integers brings powerful financial planning and management tools to your family finances.
Income
Salary, bonus, stock awards, pensions and Social Security, each on its own timeline.
Spending
A plan for each phase of life, with one-time costs like a car, a roof or tuition.
Saving and investing
Retirement and brokerage accounts, expected returns, and which accounts to draw from.
Home and debt
Buying, selling and refinancing a home, and paying down a mortgage or other loans.
The details that decide whether a plan works.
From sign-up to your numbers in minutes.
Describe your household
Who you are, when each of you plans to retire, and where you live.
Add your income and spending
Your pay, pensions and Social Security, and what you expect to spend in each phase of life.
Add what you own and owe
Your accounts, your home and any debts.
Read your plan
The chance it works, the statements behind it, and every what-if you want to try.
Ready to see your numbers?
Quick setup takes about five minutes. Your data stays private.
