a free tool from ITAuditgo · built by UnifiedAudit LLC
UnifiedGap manages your money like a professional manages systems: a real check register with audit-grade statement imports, accounts in dollars and pounds side by side, monthly reconciliation, a printable plan — and the number that names the app: your gap, the space between what your guaranteed income will pay and what you actually spend.
Windows 10/11 (64-bit) · 4.01 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 for all of it: every account in one register-of-record, spending derived from reality instead of guesses, and honest projections when you want them — Social Security and pension modeled correctly, money spendable exactly once, in any currency you hold.
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. Statement imports (OFX, QFX, QIF, CSV — US and UK formats) go through a reviewable staging step with control-total tie-outs and a tamper-evident log — yes, we're auditors. Credit cards welcome: payments pair up as transfers, so nothing counts twice.
Rent, paycheck, subscriptions — recurring entries post themselves when due, uncleared until the bank confirms them. And your net worth is quietly tracked over time, so the projection has your actual trajectory to answer to.
Enter the statement's ending balance, work the difference to zero, get your "reconciled through" stamp. The two-minute habit that turns an app into a record.
Accounts in USD, GBP, EUR, and more in one plan. Records stay in their own currency; you set the exchange rate by hand, like a stock price — the app never fetches anything.
A one-page summary — net worth, the gap, milestones, assumptions stated plainly — printed or saved as PDF on your own machine, ready for a spouse or an advisor.
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 put even if you remove the app.
New in 1.2.0: UK and European statements import properly — QIF support and day/month dates, with the reading shown on screen so nothing is misread by six months. Plus recurring transactions (rent, paycheck, subscriptions post themselves), net worth tracked over time, and a fix for a database-lock bug that could follow a failed import. Building on 1.1: multi-currency accounts, audit-grade staged imports, monthly reconciliation, and a printable plan.
SHA-256: C150995AE25545C063AC4FD8E2974371EAEAC19AE2F04CD85FE951FB6710C3A8