Matrix models appear as fundamental descriptions of M-theory and D-brane dynamics, and via the gauge/gravity duality their gauge-invariant, or singlet, sector describes the purely gravitational degrees of freedom in the holographic dual. We present a new exact algorithm for computing observables of bosonic U(N) matrix models in the gauge-invariant singlet sector. This sector is spanned by an orthogonal basis of Schur polynomials (for a single matrix) and restricted Schur polynomials (for multiple matrices), which diagonalizes the free Hamiltonian and provides a natural truncation of the Hilbert space by excitation number. Matrix elements of the interaction Hamiltonian, or any gauge-invariant observable, are evaluated through a group-theoretic reduction to cosets and double cosets of suitable subgroups of the symmetric group, together with character sums on the symmetric group. The resulting entries are closed-form polynomials in the gauge-group rank N, assembled from group-theoretic data that are precomputed once and can be reused for any N and any coupling constants. We validate the one-matrix implementation against the exact mapping to N non-interacting fermions, demonstrating rapid convergence of the low-lying spectrum with the cutoff. The multi-matrix extension is outlined; its main bottleneck is the computation of restricted characters of the symmetric group, for which no algorithm comparable to the Murnaghan–Nakayama rule is currently known. The framework gives direct access to finite-N, finite-coupling dynamics of gauge-invariant states and opens a new computational window on the non-planar regime of holographic matrix models.

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