Daily money to retirement
Every account. Every dollar. One dashboard.
Banks, brokerages, cards, and crypto, connected once and synced daily. Thermal turns them into one climb: spending at the bottom, net worth in the middle, and at the top a retirement date that moves when your spending does.
No credit card required · Full Pro access during the trial · Cancel anytime
Scroll to climb
Real screens, not mockups. Daniel & Mara Hale are a demo household with a net worth of $1,552,820, but every screen on this page is the actual app, and every number is the engine’s real output. The phone shows the iOS app*
Station I · Ground heat: this month
Give every dollar a job before it finds a worse one.
Thermal syncs your banks daily through Plaid and budgets the way you actually want to: a simple monthly mode when light-touch is enough, or full zero-based envelopes with a Ready-to-Assign pool and card-payment envelopes that make credit cards boring again. Spend on the card; the payment is already funded. Everything above this station rides on what happens here.
Plaid daily sync· zero-based envelopes· Ready to Assign· card-payment envelopes
The benefits engine
Perks you pay for, actually used.
Thermal knows every cap and credit on the cards you already carry, and which one to reach for at the register. The dining credit you’d otherwise strand gets tracked, nudged, and used. The annual fees finally pay for themselves.
Receipts
Snap the paper, keep the proof
line items matched to the card swipe
Every account
Banks, cards, brokerages, crypto
HSA, 529, the house: one login
Category rules
Filed your way, automatically
your rules run on every import
Station II · Reading the air
Where the heat goes.
Other apps hand you a pie chart and call it insight. Thermal draws the month as one flow: every dollar of June, traced from paycheck to landing. Transfers between your own accounts never inflate the totals. $13,840 went to spending: the mortgage, groceries, the kids’ activities. $4,810 climbed straight into the portfolio. And the gold band, the $1,150 the envelopes gave back, left the month still rising. Watch that band. It returns at the crossing.
Spending flow
June · income $19,800
$13,840 spent · $4,810 invested · $1,150 surplus: every dollar of June, accounted for. This is the app’s actual chart: hover a ribbon to trace it, click a group to unfold it.
$13,840 spent · $4,810 invested · $1,150 surplus: every dollar of June, accounted for. Tap any band to trace it.
The AI layer · Pro
The air, read out loud.
Pro’s AI reads the month like an advisor who already did the homework: the recurring bill that quietly raised its price, the card credit about to reset unused, and this month’s surplus, priced in months of retirement. The same intelligence that powers the Bridge.
Your next move
ProPG&E is billing $385 a month now, up from the $340 it held for most of the past year. A 13% increase, flagged against the stream’s own history.
That’s $540 a year, caught the month it changed.
$36 of June’s $120 dining credit is still unused. Monthly credits don’t roll over; when June ends, it resets to zero.
June closed with $1,150 the envelopes never needed. Sweep it to the brokerage every month and the engine moves your retirement date up 11 months.
One transfer. Eleven months.
Read from the data alone: transactions, recurring bills, card benefits. If Thermal can’t see it, it doesn’t say it.
Station III · First lift: this year
Returns that tell you the truth.
Most apps count every paycheck you deposit as “growth.” Thermal computes time-weighted returns, the honest math that separates market lift from money you carried up the stairs yourself. Every account on one net-worth line: brokerage, crypto, HSA, 529, the house.
The drill-in
Any position, opened to the share.
Click NVDA and the whole story unfolds: 520 shares worth $100,048 at $192.40, a year of real daily candles, and a +$51,948 unrealized gain, +108% on a $48,100 basis, carried across the three accounts that hold it.
Held in · 3 accounts
- Vanguard Brokerage
- 360 shares$69,264
- Fidelity 401(k)
- 110 shares$21,164
- Vanguard Roth IRA
- 50 shares$9,620
Total
520 shares$100,048
The whole screen, exactly as the app draws it: the NVDA drawer unfolded beside the holdings list, every candle from real price history.
The crossing · heat becomes lift
The Bridge: where this month meets the rest of your life.
Spending apps stop at the month. Retirement apps start at 65. The Bridge is the missing span: your real envelope surplus, carried through ten thousand simulated futures and handed back to you as time. “Nice job on groceries” becomes “eight months sooner.”
+$1,150
a month: June's envelope surplus
10,000
simulated futures, every one re-run with it
11 months
sooner: the retirement date, moved
Engine output, not copywriting: the Hales’ +$1,150 a month moves their date 11 months sooner. $835 a month is exactly eight.
Checkpoint · mid-climb
Feel the lift yet?
You’ve just watched one demo household climb through real screens. Yours will read differently. Fourteen days free to find out, no credit card.
Station IV · Altitude: the horizon
An engine that sweats the things that actually happen.
Ten thousand simulated futures, not one straight line. They fan out the way a thermal widens with altitude: the higher you climb, the more room there is to be wrong and still be fine. The engine models both spouses, ladders Roth conversions against your real tax brackets, and prices the long-term-care shock most plans politely ignore. Tax-aware across U.S. federal and all fifty states, and now the first Canadian provinces.
Couples· Social Security optimization· Roth ladders· 8 withdrawal strategies· pension COLAs· spending smile· long-term care
Daniel, 48, and Mara, 46, retiring at 53 on a $98K-a-year plan: 94% of 10,000 simulated futures hold, 39 years funded, median balance $1.17M.
Station V · Riding together
One updraft, the whole household riding it.
Bring up to five of you into one plan: partners with a full shared view, kids thirteen and up with their own age-gated logins. When you want a professional’s eyes on the plan, invite your advisor: read-only, on your terms, never counted against the five. They can even pick up the subscription tab.
Partner
Mara: full shared view
same envelopes, same plan, her own login
Kids, 13+
Ellis, 14: their own login
age-gated: their envelopes, nothing else
Advisor
Read-only, on your terms
never counts toward the five, and can even pay the bill
The field · every other app flies one altitude
Thermal vs. the rest.
Plenty of good apps fly one slice well: Monarch and Copilot watch the month, YNAB holds the envelopes, Empower and Boldin mind the horizon. Thermal rides the whole column, and it’s the only one with a bridge from this month’s spending to your retirement date.
Swipe for the rest of the field
| Feature | Thermal | Monarch | Copilot | YNAB | Empower | Boldin |
|---|---|---|---|---|---|---|
| Transaction categorization | Yes | Yes | Yes | Yes | Yes | No |
| Custom category rules | Yes | Yes | Yes | Limited | Limited | No |
| Budgeting | Yes | Yes | Yes | Yes | Basic | Planning only |
| Envelope budgeting | Full envelope mode | Partial | No | Yes | No | No |
| Goal tracking | Yes | Yes | Yes | Yes | No | Retirement only |
| Cash-flow visualization | Sankey + Treemap | Sankey | Basic | Basic | Basic | No |
| Receipt scanning | Yes | Yes | No | No | No | No |
| Card benefits tracking | Yes | No | No | No | No | No |
| Portfolio tracking | Yes | Yes | Yes | Balance only | Yes | Balance only |
| Cash-flow-aware benchmarks | Yes | No | Limited | No | Limited | No |
| Tax-lot tracking | Yes | No | No | No | No | No |
| Retirement simulations | 10K scenarios | No | No | No | Yes | Yes |
| Withdrawal strategies | 8 strategies | No | No | No | Limited | Yes |
| Roth conversion planning | Yes | No | No | No | No | Yes |
| Social Security optimization | Yes | No | No | No | Estimate | Yes |
| Household members | Owner, partner, kids 13+ | Yes | No | Up to 6 | No | Couples |
| Advisor read-only access | Yes | Yes | No | No | Paid advisory | Yes |
| Spending → retirement bridge | Yes | No | No | No | No | No |
| Pricing | $14.99–$29.99/mo | $14.99/mo | $13/mo | $14.99/mo | Free | $120/yr |
Empower’s dashboard is free; it monetizes through advisory fees on managed assets. Competitor details change often; verify before you rely on them.
The price of the climb
Everything, on both plans. Pro adds the power tools.
No feature hostages. Envelopes, investments, and the entire retirement engine come with Standard. Pro adds the AI layer, business expense tracking, eight more connections, and an MCP server that lets your own AI assistant work with your finances. A command-line app joins the kit soon.
Standard
$14.99/mo
The whole engine.
- Up to 7 bank connections, synced daily
- Both budgeting modes: simple or full envelope
- Investments with honest time-weighted returns
- The full retirement engine, all 10,000 paths
- Family household and advisor access
Pro
$29.99/mo
The engine, plus a voice in your corner.
- Everything in Standard, plus:
- Up to 15 bank connections
- The Bridge: AI insights from spending to retirement
- AI categorization and proactive coaching
- Business expense tracking: work and personal, untangled
- MCP server: your own AI assistant, connected to your money
- Command-line app, coming soon
- Priority support
Every plan starts with 14 days of full Pro access. No credit card. Cancel with one click.
Encrypted at rest
AES-256 on every byte of sensitive data
Your data, your call
Export everything or delete it anytime
Never sold or shared
Your financial data stays yours. Period.
Cancel or switch anytime
No contracts, no lock-in, no questions
The top of the column
Catch the lift.
Fourteen days free, no credit card. The heat is already in your accounts: every paycheck, every envelope, every card swipe. Thermal shows you how high it can carry you.
*The iOS and Android apps are in final testing and coming soon. Thermal is fully available on the web today.