DIY retirement and financial planning with full tax detail and Claude AI assistance
Personalized insight report using Zi Wei Dou Shu and Bazi with AI analysis and human review
Stage
Not given
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Founded
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Based in
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Pricing model
Freemium
Paid
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.
Solo report: USD 29 (regular USD 49). Duo report: USD 58 (regular USD 98). Both include main report and personal HTML web version, delivered within 48 hours.
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
AI analysis with human review for consistency and boundaries
Private HTML web version for long-term reference
Separate Zi Wei and Bazi analysis with cross-comparison
48-hour delivery after data confirmation
Long-form written report plus interactive web delivery
Duo option for partner, family, or co-founder compatibility
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
Combines two traditional Eastern frameworks for comprehensive self-understanding
Human review ensures clarity and prevents fear-based language and pseudo-professional advice
Structured 12-chapter framework transforms metaphysical concepts into readable interpretation
Transparent about method limitations and does not claim to predict exact events
FinZot
Tian Ming Jian