DIY retirement and financial planning with full tax detail and Claude AI assistance
Track, value and redeem credit card rewards, airline miles and hotel points in one place
Stage
Not given
MVP
Founded
Not given
Not given
Based in
Not given
IN
Pricing model
Freemium
Free
Pricing
Free tier: The whole planner and app including up to 4 plans with 12 scenarios each, tax engine, Monte Carlo analysis, and free trial of Claude connector. Plus tier: $100 USD per year with higher Claude connector limits.
Free during early access
Key features
Tax modeling down to lot-level cost basis with capital gains stacking
Income tax calculation for 41 states and DC with local tax support
Social Security modeling with earnings test and spousal benefits
Monte Carlo analysis with thousand trials from real market history
Claude AI integration for plan building and analysis
Roth conversion and withdrawal optimizer
Multi-scenario comparison with detailed scenario diffing
Real estate modeling with depreciation and rental property analysis
Family and household modeling with marriage, children, and moves
Income tracking for salary, RSUs, pensions, and Social Security
Connect multiple credit cards and loyalty programs securely without storing passwords
Alerts before loyalty points and miles expire
Best card recommendation based on which card earns most for a purchase
Bank-grade encryption for secure connection
Read-only access to loyalty data without storing card details
Calculate point valuations based on real achievable redemptions across programs
Support for major Indian credit card issuers including HDFC, Axis, ICICI, SBI and American Express
Support for major airline and hotel programs including Air India, Singapore Airlines, Marriott and Hilton
What makes it different
Tax-focused planning engine that models actual tax impacts at lot level
Claude AI integration that builds and updates plans via conversation
Free core planner with optional paid Claude connector tier
Variable spending model that adapts annually based on portfolio performance
Consolidated view of scattered loyalty points across multiple cards and programs in one dashboard
AI-powered recommendations on which card to use before you spend to earn maximum value
Personalized comparison of redemption options to avoid wasting points on low-value exchanges
AI wallet that understands your rewards and recommends what to do with them, not just tracking
Shows exact point costs before booking flights, hotels and upgrades directly through the app
FinZot
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