a free tool from ITAuditgo · built by UnifiedAudit LLC
UnifiedGap is a retirement planner and honest-to-goodness check register in one Windows app. It shows your gap — the space between what Social Security and your pension will pay and what you actually spend — and what it takes to close it before 65 sneaks up.
Windows 10/11 (64-bit) · 3.9 MB installer · digitally signed by UnifiedAudit LLC
Tech careers front-load the money and back-load the risk. Plenty of sharp engineers hit their 60s with great war stories and a thin plan. Most planning tools either want your bank credentials in their cloud, or they're a spreadsheet that quietly double-counts your pension.
One local app that does the two jobs that matter: keep a real register of what you spend, and project honestly whether the money lasts — Social Security and pension modeled correctly, money spendable exactly once.
Free. No tiers, no trial, no upsell inside. We build audit software (ITAuditgo) for a living; UnifiedGap is the tool we wanted for ourselves and figure you might too.
Debits, credits, cleared flags, running balance to the penny, reconciles against your statement. Import OFX/QFX/CSV straight from your bank's website — re-imports never duplicate. Credit cards welcome: payments pair up as transfers, so nothing counts twice.
The number that matters: how much of your retirement spending is NOT covered by Social Security + pension, in today's dollars — and what fills it.
After a month of register history the plan checks itself against reality: "you spend $3,300/mo; your plan assumes $6,000." One click to fix the plan. No guessing.
Monte Carlo simulation over your whole plan — accounts, contributions, spending phases, RMDs, one-time events like a roof or an inheritance.
Side-by-side comparison on identical market futures, with your real benefit numbers. Educational, clearly labeled, no agenda.
Pension is income, never an asset — it can't get double-counted into your investments. Optional COLA for government plans. Retiring before 65? The Medicare-bridge cost gets called out, not buried.
Everything lives in one SQLite database file on your computer. The app snapshots it automatically at every launch (keeps the last 10) and exports to JSON or a readable Excel workbook anytime.
UnifiedGap never connects to your bank, or to us. No account, no telemetry, no analytics. Statement import reads files you download yourself. Unplug the network cable; the app won't notice.
The installer is digitally signed by UnifiedAudit LLC (verified publisher) — right-click the file, Properties → Digital Signatures, and check for yourself. We're auditors; we'd be disappointed if you didn't.
Free for personal use. Installs in under a minute, works offline forever, uninstalls cleanly. Your data stays in your Documents even if you remove the app.
SHA-256: 5976C02DEEAAB768D90196083BECCCF84B72118D23813AE5A91C92807793A30F