Households & Advisors
Money is a household project.
Your app should know that.
Full access for your partner. Member accounts from age 13. Read-only access for your advisor, who can also pick up the bill. One shared picture instead of four versions of the truth.
14 days free · Full Pro access · No credit card
The member filter in the header scopes every page to one person or the whole household.
Your Household
Two incomes. One picture.
Everything in Thermal is household-aware, from the budget to the Monte Carlo simulation. Add people without losing track of who owns what.
Partners are full members
Your partner gets their own login and the same live data: accounts, budget, investments, retirement plan. No shared passwords, no exported spreadsheets.
Scope any screen to anyone
Every page has a member filter. Switch between Everyone, just you, or just your partner to answer “whose spending was that?” in one click.
Family members from 13 up
Invite teens with their own accounts so they can learn on real numbers. Joining requires explicit age confirmation at 13 or older.
One budget, one plan
Envelopes, goals, and the retirement plan are household-level. Two incomes, one Ready-to-Assign pool, one answer to “are we on track?”
Advisor Access
Let your advisor see the real numbers
Most advisors plan from a questionnaire you filled out in January. Thermal gives them a live, read-only view instead, and gives you the final word on every change.
Read-only, enforced server-side
Advisors see your real accounts, budgets, and projections but cannot change anything or touch your bank connections. The restriction lives in the backend, not in a hidden button.
Proposed scenarios, your call
Your advisor can draft a retirement scenario, a different savings rate, an earlier date, a Roth conversion plan, and send it to you. You review it next to your own plan and accept or decline. A message history keeps the conversation in context.
Sponsored subscriptions
An advisor (or a generous relative) can pay for your Thermal subscription. If you already pay directly, your prepaid time is preserved to the day. Cancel the sponsorship anytime and take back control.
Built for real practices
Advisors manage their client households from one view, propose scenarios per client, and never see clients' credentials. Clients can revoke access in one click.
Couples Planning
Retirement math for both of you
The retirement engine models both partners: separate ages, retirement dates, incomes, and Social Security benefits, taxed jointly. Not one plan copied twice.
See retirement planning →Ready to plan together?
Start your trial, invite your partner from Settings, and see your combined picture today.
14 days free · Full Pro access · No credit card