FinAdvisor™

Annual income

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Net worth

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Monthly expenses

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Savings rate

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Accounts overview

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Net worth projection

Estimated trajectory at current savings rate

Monthly cashflow

Where your income goes each month

Emergency fund

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Target: 6 months of expenses

Debt payoff calculator

Total debt ($)

Avg APR (%)

Monthly payment ($)

Extra/mo ($)

Modules

Budgeting

Savings rate, 50/30/20, priorities

Tax optimizer

Bracket, 401k headroom, deductions

Big purchase

House, car, boat financing

Investment advisor

Portfolio, sectors, rebalancing

Total assets

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Total liabilities

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Net worth

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Connected bank accounts

No banks connected yet.

Income & tax — household totals

Annual gross income ($)

Filing status

State

Monthly 401k contribution ($)

Employer match (%)

Age

Your retirement age

Used by Monte Carlo simulation and Investment Advisor

Spouse age

Used for standard deduction and Medicare calculations

Spouse retirement age

Used by Monte Carlo simulation, Tax Optimizer, and Investment Advisor

Monthly expenses — household totals

Monthly rent ($)

If you own, leave blank — housing cost calculated from Mortgage details below

Utilities & internet

Groceries

Dining out

Transportation

Healthcare

Insurance

Subscriptions

Entertainment

Shopping

Personal care

Travel

Other

Mortgage details — current home loan

Total housing cost for budget and purchase planning. Leave blank if renting or mortgage-free.

Monthly P&I ($)

Monthly property tax ($)

Homeowner's insurance ($/mo)

HOA ($/mo)

Payoff date

Future events — planned major events

Planned asset sales, income events, or major expenses — used in Big Purchase timeline and Tax Optimizer staged sale analysis.

Assets & accounts — household totals

Checking / savings ($)

Brokerage account ($)

Brokerage cost basis ($)

401k balance ($)

Roth IRA ($)

Roth contributions ($)

Traditional IRA ($)

Credit card debt ($)

Credit score

Equity Compensation ▶ Show

Social Security estimates — from ssa.gov/myaccount

Your monthly benefit

At age 62 (early)

At FRA / 67 (full)

At age 70 (max)

Currently receiving SS?

Total spent

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Net monthly income

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Saved

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Savings rate

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net income, incl. 401k

Spending by category

My Financial Goals

Reset defaults

Spending data

Using expense data from your financial profile. Update profile

Drop your CSV or click to browse

Chase · Citi · Amex · Capital One · any standard export

Preferences

Reward preference

Annual fee tolerance

Cards to recommend

Other cards (not in Plaid)

Travel frequency

YTD realized gains

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Connect portfolio to calculate

Marginal rate

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Federal income tax bracket

TLH savings available

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From loss positions

Federal income tax brackets —

Enter your income and filing status in Financial Profile to see your bracket breakdown.

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Capital gains overview

Holdings & timing scenarios

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Capital Gains Overview

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Tax loss harvesting

Opportunities to offset gains

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Tax Loss Harvesting Opportunities

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Net investment income tax (NIIT)

3.8% surtax threshold analysis

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Net Investment Income Tax (NIIT)

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State tax

Combined federal + state capital gains rates

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State Tax —

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Zero-tax rebalancing available

Rebalance inside tax-advantaged accounts first

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Zero-Tax Rebalancing Available

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Additional tax details

HSA, side income, deductions, YTD breakdown

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HSA-eligible health plan?

HSA contribution ($)

Capital gains this year ($)

Side / freelance income ($)

Mortgage interest paid ($)

Other deductions ($)

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Year-end checklist

Actions before December 31

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Year-End Actions (before December 31)

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Roth conversion ladder

Pre-RMD conversion window analysis

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Employee stock options

ISO / NSO tax impact analysis

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Employee Stock Options (ESO)

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Staged sale analysis

Planned asset sales from your profile

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Purchase

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Enter details

Est. Monthly Payment

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Complete Setup tab

Recommendation

Enter details

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What are you buying?

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House / Condo

Primary or investment

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Car / Truck

New or used

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Boat / RV

Recreational

Purchase price ($)

Down payment: 20% = $0

Use

Property tax (%/yr)

HOA / mo ($)

Insurance / yr ($)

Purchase horizon

Your financial profile

Save your financial profile to see personalized analysis.

Educational analysis only — not financial or tax advice. Consult a financial advisor before making major decisions.

Run an analysis to see financing options.

Run an analysis to see tax implications.

Run an analysis to see budget impact.

Portfolio

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Retirement

—

Run analysis to see

Top Action

Add accounts

Load holdings to get started

Run a full analysis to see personalized action items

Retirement projection

Enter your profile and goals to see your retirement trajectory.

Holdings by account

Load directly from your linked brokerage, or add manually.

Portfolio history

For educational purposes only — not financial advice. Consult a qualified advisor before making investment decisions.

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Stock / ETF deep dive

Analyze any ticker for research purposes

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Stock / ETF deep dive

Market data loads after running an analysis.

Goals & preferences

Target retirement age

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Set in Financial Profile

Plan to claim SS at age

Monthly income needed in retirement ($)

Risk tolerance

Return preference

Management style

Monthly new investment ($)

Additional monthly savings for brokerage or Roth IRA. Do not include 401k contributions — those are entered separately in your Financial Profile.

Market focus

Sectors of interest (up to 3)

Sectors to avoid (ethical/personal, up to 3)

Geographic focus

Stock pick style

Sector conviction

Educational analysis only — not licensed investment advice. Consult a registered investment advisor before making changes.

Account

Email

Plan

Member since

AI Usage —

Credits used this month 0 / 100

Resets

How credits are used:

Investment analysis 5 credits

Purchase analysis 4 credits

Budget / Tax / Cards 3 credits each

Chat messages 1 credit

Billing

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