See every path
before you take it.
Plan the climb.
Monte turns financial uncertainty into something you can play with. Ask “what if I retire at 55?” in plain language and watch a credible, tax-aware forecast respond — instantly.
Free to start · No card required · Your data stays yours
Features
Everything you need to map the route ahead
A deterministic forecasting engine you can trust, an AI assistant that speaks your language, and a planner that runs right in your browser.
Ask “what if?” in plain words
Type “retire at 55 but spend $10k more a year on travel” and Monte translates it into a precise model change — then shows you the impact before you commit.
Compare futures, two ways
Overlay any saved scenarios on one chart — “Retire at 55” against “Retire at 60” — or open a lens built for the matchup: rent vs buy, career change, move out now vs later. Guesswork ends when both paths are in view.
Tax-aware, not hand-wavy
Projections reflect your actual situation — federal and state income tax, capital gains, FICA, and how each account type is taxed on the way out. Credible enough to act on.
Make it yours
Reorder the dashboard, define your own variables and goals, and pin the assumptions that matter to you. The more you shape it, the more it feels like home base.
Your paycheck, decoded
Gross to take-home, per check — taxes, 401(k), HSA, and payroll deductions itemized — so the plan starts from the money that actually lands in your account.
6 lenses on your future
Buy a home, rent vs buy, retire early, coast to retirement, retire a spouse — each big decision gets its own dedicated view, powered by the same forecast.
How it works
From base camp to summit in three steps
No spreadsheets, no advisor gatekeeping. Build once, then explore freely.
Build your profile
A guided, conversational setup captures your income, expenses, accounts, and goals. A few minutes is all it takes to map where you stand today.
Ask “what if?”
Drag a slider or just say what you’re wondering. Monte updates a 40-year forecast in real time and explains what changed and why.
See your future
Watch your net worth climb toward your goal, spot when money might run short, and save the scenarios worth coming back to.
Pricing
Start free. Upgrade when you’re ready to go deeper.
Your live dashboard — net worth, paycheck, cash flow, taxes — is free forever; the what-if lenses and the AI assistant come with the paid plans. Prices shown are launch pricing and may change.
Free
$0
Your net-worth dashboard, live
Every profile lever — try AND save changes
Paycheck breakdown, per check
Federal AND state income tax modeling
Plus
$7.99 /mo
or $79/year — save ~18%
Everything in Free
The 40-year Net-worth forecast
All 6 guided lenses — Buy a home, Rent vs buy, Retire early, Coast to retirement & more
Save & compare up to 25 scenarios
Pro
$14.99 /mo
or $149/year — save ~17%
Everything in Plus
The AI assistant — onboarding chat & plain-English what-ifs
First in line for account linking & exports
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.