DIY retirement and financial planning with full tax detail and Claude AI assistance
iPhone expense tracker without bank login
Stage
Not given
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Founded
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Based in
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AM
Pricing model
Freemium
Freemium
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 with optional in-app purchases. Pro available as monthly subscription (renews automatically unless canceled), yearly subscription, or Lifetime one-time purchase. Prices vary by App Store region and local currency. See App Store for current pricing.
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
Automatic Apple Wallet transaction tracking via iOS Shortcuts automation
Receipt scanning with OCR for merchant, amount, tax and line items
Manual expense entry with categories and search
Multi-currency support across over 15 currencies
Weekly and monthly spending analytics
Budget tracking and savings goals
Subscription renewal tracker with upcoming renewal alerts
Manual loan tracking with payment reminders
Data export in CSV, PDF and XLSX formats (Pro)
Premium AI financial insights and pattern analysis (Pro)
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
No bank login required or Plaid integration needed
Captures eligible Apple Pay transactions automatically without reading complete wallet history
FinZot
Monetor