DIY retirement and financial planning with full tax detail and Claude AI assistance
A private budget app that shows what you can safely spend
Stage
Not given
Not given
Founded
Not given
Not given
Based in
Not given
US
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.
7-day free trial, then monthly or annual subscription. Exact pricing shown in App Store or Google Play purchase flow.
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
Freeflow Engine - shows what is actually usable after protecting bills, debt, and savings
Cash Low Point Monitoring - projects how low available cash may fall before next paycheck
Afford It Decision Tool - checks whether a purchase fits the financial plan
Bill Reminders - track upcoming, due, paid, and overdue bills
Debt Payoff Tools - snowball and avalanche calculations with interest savings
Savings Goal Tracking - create and track progress on savings goals
Reserved Cash - separate committed money from everyday spending
Paycheck Planning - plan around income timing including irregular income
Manual Budgeting - plan without connecting a bank account
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 sync or bank credentials required - keeps financial data private and avoids broken connections
Local-first architecture - financial data stored on device, never sold
Looks forward to upcoming obligations instead of backward at past spending
Shows safe-to-spend amount rather than just balance
FinZot
Savern