FinZot

Q&A

What makes FinZot's tax modeling different from other planners?

FinZot models every tax detail specifically for US taxpayers, including lot-level cost basis for capital gains, Social Security's 50% and 85% tiers, AMT, NIIT, and tax rules for 41 states and DC. It treats each fund's tax consequences accurately, such as keeping municipal bond interest out of federal taxes while counting it toward Medicare premiums and ACA credits, just like real life.

How does Claude AI work within FinZot?

Claude, Anthropic's AI assistant, connects to your FinZot account and allows you to work on your plan in plain English. Claude can build a plan from scratch when you describe your situation, update your plan by adding accounts or changing assumptions, run projections, and analyze results with full detail including every year, account, and tax line.

What is the cost to use FinZot?

The planner and app are completely free, including up to 4 plans with 12 scenarios each and a full tax engine with Monte Carlo analysis. Claude connector is free to try for a limited time. The Plus tier costs $100 USD per year and provides much higher limits on Claude's FinZot tool calls.

How does FinZot's Monte Carlo analysis work?

FinZot runs a thousand trials stitched from consecutive years of real market history rather than drawn from a bell curve. Each trial is a full tax-aware run of your plan where stocks, bonds, and inflation move together the way they actually did historically. You can see your chance of success, when and how often a fixed budget might break, and explore any individual trial.

Can FinZot model pension benefits and Social Security?

Yes, FinZot models Social Security with earnings tests, spousal top-ups, and survivor benefits. It also models pensions including federal and military pensions, pension elections, and defined benefit plans, allowing you to plan around these income sources with full tax accuracy.