DIY retirement and financial planning with full tax detail and Claude AI assistance
Envelope budgeting app for couples with shared household budgets
Stage
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Founded
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Based in
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Pricing model
Freemium
Free trial
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 for 60 days, then US$3.99/month or US$39.99/year. One subscription covers the whole household.
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
Envelope budgeting system
Real-time cloud sync across Android and web
Share budget with up to 5 household members
Expense tracking by envelope, account and payee
Monthly spending reports
Unlimited envelopes and accounts
CSV export
No credit card required for free trial
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
See the same numbers in real time across all devices
FinZot
Budgetisto