stillward labs
Independent Software
Software that shows
its work.

Small tools built with rigorous methodology, transparent math, and respect for the person using them.

LOCAL
No cloud, no accounts
AUDITABLE
Full methodology docs
DETERMINISTIC
Reproducible results
Approach

Analytical tools
for analytical people

Most software in the personal finance and strategy space treats computation as a black box. You get a number. You're expected to trust it.

That's not how good analysis works. Good analysis shows its assumptions, documents its formulas, and gives you enough to check the work. stillward labs builds software that operates this way.

The tools are small, deliberate, and built for people who read the footnotes.

01
Methodology is not a secret. Every formula, every assumption, every convention is documented — not summarized. You should be able to audit exactly what the software computed.
02
Results should be reproducible. Given the same inputs, you should get the same output. Variability in a tool that is supposed to help you reason about variability is a design failure.
03
Your data belongs to you. No accounts, no telemetry, no cloud dependency. Local computation, local storage, offline by default.
04
Honest about limitations. Every model has constraints. They're stated clearly, not buried or omitted to make the output look more confident than it is.
Products

What we build

Available now
Retirement
Risk Lab

Offline Monte Carlo retirement simulation for analytical DIY planners. Fixed-seed reproducibility, Wilson 95% confidence intervals on every estimate, and a full math transparency block on every run. Not a calculator — a simulation lab.

Monte Carlo Offline Deterministic macOS · Windows
retirementrisklab.app →
Available now
Baseline
Lab

Personal finance tracking for people who want to own their data. Import CSV exports from any bank or credit card, auto-categorize transactions, track spending and income over time, and maintain a running net worth snapshot — all locally, with no cloud and no subscription. Designed to feed your numbers directly into Retirement Risk Lab.

CSV Import Offline One-time purchase macOS · Windows
baselinelab.app →
About
stillward labs
Type
Independent software
Location
Grand Island, New York
Focus
Analytical tools, personal finance, strategy
Philosophy
Show the work

stillward labs is a one-person independent software operation. The tools are built by someone who uses them — not a product team optimizing for engagement metrics, not a startup chasing a market, just a developer who got frustrated with software that treated computation as a black box and decided to build something better.

Retirement Risk Lab came from a straightforward question: if you run a Monte Carlo retirement simulation and get 73% survival probability, how confident should you be in that number? Most tools don't tell you. RRL does — Wilson confidence intervals, trial quality labels, and a full math transparency block on every run. Fixed-seed reproducibility so you can change one assumption, rerun, and know exactly what moved.

Baseline Lab came from a complementary need: before you can simulate retirement outcomes, you need clean, honest data about where your money actually goes. BL imports CSV exports from any bank or credit card, auto-categorizes transactions, and maintains a running net worth snapshot — all on your own machine. It's designed to feed directly into Retirement Risk Lab.

The common thread is tools for people who read the footnotes. If you're comfortable with a confidence interval, want to audit a formula, and prefer your data to stay on your own machine — these tools were built for you.