# Thermal

> Thermal is a complete financial platform that combines daily money management (spending, budgeting, net worth) with deep retirement planning (Monte Carlo, Social Security, Roth conversion). The unique differentiator, "The Bridge," connects portfolio and contribution decisions to retirement-date projections. It ships as a web app, an iOS app, a Chrome extension (retailer receipt sync), a CLI, and an MCP server for AI assistants.

Standard is $14.99/mo or $120/yr. Pro is $29.99/mo or $250/yr. Every plan includes a 14-day free trial with no credit card required.

## Core pages

- [Home](https://thermalfinance.com): product overview and core value proposition
- [Pricing](https://thermalfinance.com/pricing): Standard vs Pro plans, features by tier, trial terms
- [Security](https://thermalfinance.com/security): encryption, aggregation-provider handling, session practices
- [Help Center](https://thermalfinance.com/help): 60+ FAQ entries covering setup, categorization, budgets, investments, retirement, real estate, receipts, CLI, AI assistants, security, and billing
- [MCP server docs](https://thermalfinance.com/docs/mcp): connect Claude, ChatGPT, or any MCP client to your Thermal data
- [Contact](https://thermalfinance.com/contact): support and sales contact
- [Support](https://thermalfinance.com/support): help and troubleshooting entry point
- [About](https://thermalfinance.com/about): company background and founding principles
- [Delete account](https://thermalfinance.com/delete-account): how to delete your account and data

## Features

- [Features overview](https://thermalfinance.com/features): all product areas at a glance
- [Spending Tracker](https://thermalfinance.com/features/spending-tracking): Sankey flow visualization, automatic categorization, custom rules, budgets with rollover, recurring detection
- [Budgeting](https://thermalfinance.com/features/budgeting): category budgets and envelope budgeting with a ready-to-assign flow
- [Investment Tracker](https://thermalfinance.com/features/investment-tracking): consolidated portfolio view across brokerages and crypto, tax-lot tracking, dividend income, daily snapshots
- [Retirement Planning](https://thermalfinance.com/features/retirement-planning): 10,000-scenario Monte Carlo simulations, 8 withdrawal strategies (4% rule, Guyton-Klinger guardrails, VPW, floor-and-ceiling, endowment, custom, Buy-Borrow-Die), federal + all-50-state tax modeling, Social Security estimation
- [Cards & Benefits](https://thermalfinance.com/features/card-benefits): credit-card benefit tracking and receipt-to-transaction matching
- [Households](https://thermalfinance.com/features/households): shared finances for partners and families

## Comparisons

- [Thermal vs Monarch](https://thermalfinance.com/compare/monarch)
- [Thermal vs YNAB](https://thermalfinance.com/compare/ynab)
- [Thermal vs Copilot](https://thermalfinance.com/compare/copilot)
- [Thermal vs Personal Capital](https://thermalfinance.com/compare/personal-capital)

## Articles

- [Blog index](https://thermalfinance.com/blog): all essays
- [Roth conversion or ACA subsidy? Before 65, you usually can’t have both](https://thermalfinance.com/blog/roth-conversion-vs-aca-subsidy): Roth conversions raise the same MAGI that ACA premium credits depend on. With the 400% FPL cliff back in 2026, one conversion dollar too many can cost five figures. Here’s the decision math for the bridge years.
- [How 10,000 Monte Carlo retirement simulations actually work](https://thermalfinance.com/blog/monte-carlo-retirement-simulations): A technical walkthrough of what happens inside a Monte Carlo retirement engine: sequence-of-returns, inflation paths, withdrawal rules, and why the output is a probability, not a date.
- [Sequence-of-returns risk: why your retirement date matters more than your savings rate](https://thermalfinance.com/blog/sequence-of-returns-risk): Two retirees with identical portfolios and identical average returns can have wildly different outcomes based on the order those returns arrive. Here’s how big the effect is, and what to do about it.
- [Buy, borrow, die: what changes at $5M+](https://thermalfinance.com/blog/buy-borrow-die-at-5m): The rich don’t sell. They borrow against appreciated assets and let the cost basis reset at death. Here’s when the math starts to work for you, and when it’s still a bad idea.
- [The Roth conversion ladder, tested against every withdrawal strategy](https://thermalfinance.com/blog/roth-conversion-ladder): A Roth conversion ladder sounds simple: convert traditional to Roth in low-income years, withdraw tax-free later. The math is less simple once you model RMDs, IRMAA, and state tax.
- [When your financial data is the product](https://thermalfinance.com/blog/when-your-financial-data-is-the-product): Free personal finance apps aren’t charities. Someone is paying the Plaid bill, the ticker data fee, and the AWS bill. If it isn’t you, it’s whoever buys aggregated insight into what you earn, owe, and buy.

## Legal

- [Privacy Policy](https://thermalfinance.com/privacy)
- [Terms of Service](https://thermalfinance.com/terms)

## About the company

Thermal is built by Vigilant Works, LLC. All financial data is encrypted with AES-256 at rest and TLS in transit. Bank credentials are handled by a certified aggregation provider (Plaid) and never stored on Thermal's servers. Data is never sold or shared with third parties. Users can export or delete all their data at any time from Settings.