First the investing side — ranked stock picks, the honest track record, and how a "70% probability" actually earns its name. Then the planning side — Budget Planner, Retirement Plan, and Payout Modeling — and how they connect into one continuous picture of your financial life.
Every night the models re-rank the market for 60, 90, and 180-day holding periods. Each pick carries a probability of beating the S&P 500, a downside estimate, and a plain-English reason — so a first-time investor and a veteran read the same row.
Sample data for illustration — the live list updates nightly in the app.
Every pick is logged the night it's made and scored when it matures — including the ones that went badly, and including stocks that got delisted. Nothing is quietly removed.
Sample data for illustration — the app shows the live, matured-only numbers.
Add any pick or dividend stock to your watchlist and get alerted when its tier changes or a stop is hit. For income investors, every dividend payer is graded on Safety, Growth, Quality, and Value before it ever reaches the list.
Sample data for illustration — grades and yields update nightly in the app.
Start with what's coming in and what's going out. Pre-filled categories mean you can get a complete picture in just a few minutes.
We subtract every bill, every dollar of spending, and every debt payment from your take-home pay. What's left is your true monthly surplus — the number that builds long-term wealth.
The most motivating chart you'll ever see. Your monthly surplus, invested at a realistic return, projected forward 5, 10, 20, and 30 years. Adjust the savings rate and watch the long-run number move.
Both options use the same underlying math. Pick based on how much time you want to spend.
The essentials for a solid first simulation. See your success probability at the end.
Adds state tax, long-term care, Roth conversions, and more for the most accurate forecast.
We'll model your household together with everyone's ages and retirement timing.
Add each source of income — jobs, consulting, rental income. We'll capture employer match too.
Each card combines current balance with how much you're putting in. We auto-handle catch-up contributions at 50+ and IRS limits each year.
Estimated annual benefit when each person claims. We'll show how claim age affects the payout.
What you spend now, and what you'd want in retirement. Most households spend 70-85% of pre-retirement income.
Built from what we entered, simulated against 300 Monte Carlo paths. Updates live as you change anything.
Once you have a portfolio, the Payout Modeler answers the question retirees actually care about: given the dividend yield and growth profile of what you hold, can the income stream survive a 25-year retirement — and will the principal still be intact at the end?
Every dividend payer is graded on Safety, Growth, Quality, and Value — so a durable payer stands out from a yield trap — alongside the ex-dividend date and what the income compounds to if you reinvest.
Sample data for illustration — grades, yields, and dates update nightly in the app.
Tier upgrades and downgrades, stop-loss and target hits, and dividends that look at risk — for everything you hold or watch, the moment they happen.
Sample alerts for illustration — real alerts fire from the nightly run and live prices.
Four tools that run on your real holdings — no manual data entry. See how your basket would have done, where you're concentrated, and what to do about it.
Sample outputs for illustration — computed from your actual positions in the app.
Import your brokerage history and we reconstruct every round trip — your real profit over time, and the part no statement shows you: did you sell too soon?
Sample — your trades are parsed in your browser and never leave your device.
On the investing side: ranked picks with calibrated probabilities and a track record where every pick is scored in public as it matures. On the planning side: the Budget Planner finds the dollars, the Retirement Plan projects them across every account and tax bucket, and the Payout Modeler stress-tests whether the income lasts. And the Budget Planner can hand its numbers straight to the Retirement Plan. And brand-new — Trade Review imports your brokerage history to grade your own past trades: your real P&L over time, and whether you sold too soon (every exit scored against the S&P 500), with an AI coach and a “you vs. the model” view — all parsed privately in your browser.
We'll look at the stock picks and the honest track record first, then walk through how a sample family — Sarah and David Mitchell, both in their early 40s — builds their retirement plan. Watch how each screen works, then try it yourself.