Unlatched App

Unlatched Planning Platform

Know when work becomes optional.

Unlatched helps you test how income, savings, housing choices, market eras, tax strategy, and spending decisions change your future options.

Core question Which choices become available sooner?

Find Your Work-Optional Date

Use Journey Progress to estimate how close you are to the age where the plan reaches 95% historical confidence.

Branch Alternate Realities

Keep a Plan of Record while testing side paths for career changes, spending shifts, housing moves, or earlier work-optional dates.

Model Major Moves

Add home sales, rentals, extra mortgage payments, college costs, healthcare, bonuses, RSUs, and large expenses.

Stress Test Markets

Run historical scenarios by era or year range, then review percentile outcomes and the starting months that create the hardest paths.

Run Strategy Lab

Compare withdrawal sequencing and Roth conversion paths across sampled historical starts, ranked by downside risk, taxes, or ending balance.

Ask Planning Questions

Use Unlatched AI to explain tradeoffs, suggest branch ideas, and help translate planning questions into model changes.

Optionality Score Progress toward a 95% historically funded work-optional condition.

Plan Branches Compare your Plan of Record against side paths with historical risk analytics.

Strategy Lab Ranks Roth conversion and sequencing choices using percentile-based historical simulations.

Planning caveat

Unlatched is a modeling tool, not financial, tax, or investment advice. Taxes and market history are simplified so you can compare decisions quickly.

Branches

Keep your Plan of Record stable while you test alternate paths. Branches are side-by-side what-if plans you can load, edit, compare, or promote.

Analytics era From year To year When era data ends

Plan	Timing	Ending liquid	Delta	Lowest liquid	Status	Historical risk	Lifetime taxes

Profile

Retirement timing

Current age Retire age Plan through age Retirement start

Spouse planning

Include spouse in projection Spouse current age Spouse retirement age

Tax profile

Filing status State tax rate %

Inflation assumptions

General inflation % Healthcare inflation %

Account And Data

Delete your Unlatched account and saved planning data from our database. Billing records may remain with Stripe where required for legal, tax, fraud prevention, or accounting purposes.

Assets

Your accounts

Taxable brokerage Taxable cost basis Roth IRA Traditional IRA 401(k) Cash reserve

Spouse accounts

Spouse taxable brokerage Spouse taxable cost basis Spouse Roth IRA Spouse traditional IRA Spouse 401(k)

Asset allocation

Stocks % Bonds % Cash %

College Planning

College inflation % 529 growth %

Housing

Current primary home

Current home value Home appreciation % Default home sale cost %

Current mortgage

Current mortgage balance Current mortgage P&I monthly Extra principal monthly Current mortgage APR % Current mortgage payoff date

Housing events

Equity Compensation

Future refresh grants

Expected annual RSU refresh value Refresh grants stop age Default vest years

Vesting treatment

RSU stock growth % Tax withholding % Vested RSU destination

RSU Grants And Vesting

Income

Main working income

Main gross salary annual Main salary growth % Main cash bonus type Main annual cash bonus Main annual 401(k) contribution

Spouse working income

Spouse gross salary annual Spouse salary growth % Spouse cash bonus type Spouse annual cash bonus Spouse annual 401(k) contribution

Pre-retirement savings split

Available savings to taxable % Available savings to cash %

Main Social Security

Main Social Security monthly Main SS start age

Spouse Social Security

Spouse Social Security monthly Spouse SS start age

Main pension

Main pension monthly Main pension start age

Spouse pension

Spouse pension monthly Spouse pension start age

Main extra income

Main extra income monthly Main extra income starts age Main extra income ends age

Spouse extra income

Spouse extra income monthly Spouse extra income starts age Spouse extra income ends age

Expenses

Baseline spending

Core monthly spending Real spending decline %/yr

Vehicle debt

Car payments Car payoff date

Current-home carrying costs

Property tax annual Home insurance annual

Main healthcare

Main retired pre-Medicare health monthly Main Medicare health monthly

Spouse healthcare

Spouse retired pre-Medicare health monthly Spouse Medicare health monthly

Long-term care

Long-term care start age Long-term care monthly

Planned expenses

Market

Return model Historical reference month Stock return % Bond return % Cash return %

S&P 500 Monthly Returns

Historical Scenario Runs

Market era From year To year When era data ends

Strategy

Withdrawal order

Drawdown order Unused RMD handling

Roth conversions

Roth conversion strategy Roth conversion annual max, 0 uncapped Conversion starts age Conversion ends age

Tax guardrails

ACA MAGI cap Medicare IRMAA MAGI cap

Home equity strategy

Use home equity Home equity age Reverse mortgage monthly

Strategy Lab

Compare withdrawal sequencing, Roth conversion brackets, conversion limits, and conversion windows across sampled historical starts. Save any result as a branch.

Rank by

Run Strategy Lab to see ranked sequencing and Roth conversion paths.

Journey Progress - Click to calculate work-optional age

Plan status -

Ending assets -

Lowest liquid assets -

Lifetime taxes -

Choice Horizon

Annual Detail

Year	Age	Liquid assets	Net worth	Income	Expenses	Taxes	Withdrawals

Choice Horizon

Annual Detail

Flags

Timing

Costs And Funding

Event

Sale of current home

New home or community buy-in

New mortgage

Rent or community fee

Additional property income