DIY retirement and financial planning with full tax detail and Claude AI assistance
Stage
Startup
Not given
Founded
2026
Not given
Based in
CA
Not given
Pricing model
Freemium
Freemium
Pricing
Free version available. Unspent More: 7-day free trial, then Monthly US$2.99 or Annual US$24.99
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.
Key features
Track skipped purchases
See spending insights by category, merchant, and weekday
Set and track savings goals
Build streaks and earn achievements
Create quick logs for common skips
No bank connection required
Search and filter skips
Unlimited active goals
Ad-free experience with subscription
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
What makes it different
Tracks decisions not to spend rather than expenses already spent
Positive reinforcement approach instead of guilt-focused budgeting
No bank connection or transaction imports needed
Simpler alternative to traditional budgeting apps
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
Unspent
FinZot