| What it does | Retirement and financial scenario planner with real tax math
| Your financial future, finally clear
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| Stage | Not given
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| Founded | Not given
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| Based in | US
| IT
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| Pricing model | Freemium
| Freemium
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| Pricing | Free: one plan with the full engine and real tax math. Pro: $9 per month or $69 per year, includes more plans, compare two side by side, year's cash flow, Monte Carlo range, Roth conversions, and rentals.
| Free version includes Available, Zenith Index, Upcoming, unlimited accounts and transactions, 3 charts, 1 budget, 1 money box and 1 goal. Zenith Flow Plus costs €12.99 at launch price (then €19.99), as a one-time purchase, adding unlimited budgets, goals and money boxes, all charts, 24-month simulat
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| Key features | - Real tax math with federal brackets, state tax, and FICA calculated each year
- 401(k) and IRA rules including contribution limits and employer match
- Mortgage amortization with property tax and insurance
- Rental property calculations with rent, vacancy, and upkeep
- Social Security adjusted for claim age
- Required minimum distributions with IRS rules
- Roth conversion modeling
- Monte Carlo analysis with market volatility
- Compare two plans side by side
- Spouse planning with separate ages and Social Security claims
| - Available: calculates spending capacity across all accounts
- Zenith Index: personal spending health metric from 0 to 100
- Simulator shows financial position over 6, 12 or 24 months
- Budgets and money boxes for spending control
- Transaction history and quick entry
- Charts and financial analytics
- iCloud sync and encrypted backup
- Credit card management with statement tracking
- App lock and privacy controls
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| What makes it different | - No bank connection required; you enter your numbers manually for complete privacy
- Detailed tax math applied year by year based on actual rules and limits
- One plan stays completely free forever with the full engine
- Compare different life decisions and scenarios on a single chart
- Export or delete your data anytime with no lock-in
| - One-time purchase instead of subscription
- No bank connection or accounts required
- Available metric shows true spending capacity across all accounts
- Personal Zenith Index compares you to yourself, not others
- Native apps for Mac with full keyboard and menu support
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| Community votes | 0 | 0 |
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| DR (Domain Rating by Ahrefs) | 1 ● no change since last check | 1 ▲ +1 (up) since last check |
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| Trust Flow (Majestic) | 0 | 0 |
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| Citation Flow (Majestic) | 23 | 0 |
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| Referring domains (Majestic) | 51 | 0 |
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Zenith Flow