See every path
before you take it.
Plan the climb.
Ask “what if I retire at 55?” — then move the slider and watch a credible, tax-aware forecast redraw itself. Forty years of your money, recalculated as fast as you can think.
Free to start · No card required · Your data stays yours
50 states + DC
income tax modeled
2026
tax year, from primary sources
Monthly
engine resolution
Your browser
where the math runs
How it works
Three layers, and nothing leaks between them
Most planners give you one number and a pile of inputs. Monte separates what is true from what you are considering — so you can explore hard without ever putting your real plan at risk.
Facts
Your dashboard
What is true today — income, spending, balances, debts. Change one and it lands in every plan you keep; a plan that deliberately disagrees is left alone, and told to you by name.
Plans
Named futures
Whole possible futures built on those facts. Keep several open — “what if we moved” and “what if we stayed” — put two side by side, and take any single difference across.
Scenarios
Questions you ask
A sealed sketchpad hung off one plan: retire at 55, buy the house. Nothing touches the plan until you press Add to plan — a one-off copy of what the scenario models today. And when the plan underneath changes, a scenario picks it up everywhere except what it changed itself.
Features
Everything you need to map the route ahead
A deterministic forecasting engine, a dashboard that reconciles with your real paycheck, and a planner that runs right in your browser.
Your money, traced
Every dollar, from gross to where it lands
A real paystub, not a pie chart. Income flows into the gross pool; pre-tax 401(k) and HSA come off beside taxes and payroll deductions in paystub order; take-home joins your available cash and fans out to spending, debts and savings — each to the actual category, loan or account. Employer match flies in as its own source.
Two futures at once
Put one plan beside another
Keep “what if we moved” and “what if we stayed” as separate plans, then draw one straight over the other on the same chart. Monte itemises every difference between them — each changed age, amount and life event — so you can take just the ones you want across.
The lenses
7 big decisions, each with its own view
Every lens runs on the same forecast and answers one question properly — with the verdict written on the chart, not left for you to infer. More are on the way.
Retire early. Stop working early — find the earliest age your money comfortably lasts a lifetime.
Under the hood
Credible enough to act on
A forecast is only as good as its assumptions. Here’s what Monte works out for you — and what it won’t pretend to know.
Your state, not just federal
All fifty of them, plus DC, at the current year’s published rates — alongside your federal brackets and payroll tax.
Real IRS numbers, kept current
Rates, brackets and contribution limits come from the IRS and each state, not from a number someone typed in once.
Inflation won’t fake a tax hike
A raise that only keeps pace with inflation won’t quietly push you into a higher bracket twenty years out.
The month matters
Buying in March and buying in November are different answers, and Monte knows which one you picked.
Retirement’s fiddly parts
Social Security timing, the withdrawals the IRS eventually forces on your 401(k), and two people retiring at different times.
What a withdrawal really costs
Taking $50,000 out of a 401(k) costs more than $50,000. Monte works out how much more, at your real rate.
One line you can trace. Same inputs, same forecast — every figure traces back to the assumption behind it. And when you want the range around that line, Confidence runs your plan through thousands of simulated market futures. Planning estimates, not filing figures or advice.
Confidence
One line you can trace. Thousands of futures around it.
The forecast stays deterministic — same inputs, same line. Confidence wraps that line in a Monte Carlo fan: your plan replayed through thousands of simulated market futures, right in your browser, summarized as one honest probability.
A verdict, not a vibe
Every run ends in plain English — how often your money goes the distance across the simulated futures, worded as carefully as the math behind it.
Your market, your dials
Statistical draws, or real market history replayed in multi-year stretches. Volatility dials for stocks, bonds, cash and inflation, up to 5,000 futures per run — every control included, free.
When it’s short, it says what helps
A plan below the bar comes with the moves that lift it — retiring a little later, claiming Social Security at 70 — each measured, and one tap away from trying it.
Pricing
Free to plan. Plus to plan together.
The planner is free — the forecast, every lens, Confidence, your plans and scenarios. Plus is for planning together, at a founders' price.
Free
$0
Your net-worth dashboard, live
The 40-year net-worth forecast
All 7 guided lenses — Retire early, Buy a home, Rent vs buy & more
Confidence — your plan simulated across thousands of market futures
Up to 8 plans side by side, with row-by-row compare
Save & compare up to 25 scenarios
Every profile lever — try AND save changes
Paycheck breakdown, per check
Federal AND state income tax modeling
Plus
Coming soon
TBA
Founders' price at launch — locked forever for early subscribers, and lower than the list price that follows.
Everything in Free
Plan together — invite your partner to the shared plan
AI assistant — added to your plan at no extra cost when it ships
Linked accounts — added at no extra cost when they ship
Priority support
Privacy
Your numbers are the most personal data you have
So the planner needs as little of them as it can — and lets you keep them on your own machine.
The math happens here
Worked out on your own computer, not sent away — which is why it redraws the instant you move a slider.
Keep it here if you’d rather
We back it up so it follows you between devices. One switch in Settings turns that off and it stays in this browser.
We can’t see your money
We can see which parts of the app get used. Every number on your screen is blanked out before anything reaches us.
What we won’t claim. We don’t sell your data and we don’t run ads. If you use backup we could technically read your plan — access is limited and logged — but encryption guards against a stolen hard drive, not against the company holding it. Not good enough? Keep everything on your device. Read the full policy →
About
Why we built Monte
Most people make their biggest financial decisions half-blind — guessing at a future they can’t see.
“Monte” is the mountain. Planning your finances is the ascent: every goal is a summit, and every “what if?” is scouting the path over the next ridge. The name also nods to Monte Carlo — the math of mapping out many possible futures.
A credible forecast shouldn’t require a spreadsheet wizard or an advisor’s calendar. So we built a planner that’s rigorous under the hood and genuinely a pleasure to use — one that helps a first-time homebuyer today and grows with them for decades. Calm confidence, by design.
Meet the builder →Your plan
“What if?”
Every goal is a summit.
Get started
Start your climb
Your first plan is free forever — no card required. Questions? Drop us a line.