Question 1

What decisions can FinAI help me with?

Accepted Answer

FinAI helps with any major financial life decision: Can I afford a house? Should I have another kid? When can I retire? Should I take the new job? Should I pay off my mortgage early? Can I send my kids to private school? You pick the question, and FinAI gives you an answer grounded in your actual numbers.

Question 2

Can I combine several decisions into one strategy?

Accepted Answer

Yes. The Strategy page lets you stack multiple decisions — buy a house, have another kid, change jobs — into a single plan. Sequence mode runs them in the order you'd actually face them, so you can see how each choice builds on the last. Every combined result is computed by the same projection engine as a single decision, using your actual numbers — so the net worth, feasibility, and tax figures are produced the same rigorous way, not rough estimates. As with any projection, they're modeled outcomes, not guarantees.

Question 3

How is this different from a spreadsheet?

Accepted Answer

A spreadsheet shows you one number. FinAI models your entire household — taxes, Social Security, investment growth, inflation, children's costs, mortgage — and tells you what happens to your financial future if you make a specific decision. Then it stress-tests that answer across 1,000 possible market scenarios so you know how confident to be.

Question 4

How is this different from hiring a CPA or planner?

Accepted Answer

A paid professional costs $2,000–$5,000+ per year and gives you a plan once a quarter. FinAI gives you the same depth of analysis — complete household modeling, tax optimization, scenario comparison — but instantly, 24/7, for $0–$79/year. And it's grounded in the same math: progressive tax brackets, IRS contribution limits, Monte Carlo simulations.

Question 5

How accurate is it?

Accepted Answer

The engine models progressive federal and state taxes, 401(k) and IRA limits (including catch-up), mortgage amortization, capital gains, Social Security timing, education costs, and inflation-adjusted spending. It uses current 2026 IRS figures and is continuously validated by automated accuracy tests across diverse household profiles.

Question 6

Is my financial data secure?

Accepted Answer

Yes. All data is encrypted at rest and in transit. We use Supabase with row-level security, meaning your data is only accessible to your account. We never sell or share your financial information.

Question 7

What does Ask FinAI actually do?

Accepted Answer

Ask FinAI is an AI analysis engine that knows your complete financial model. You can ask it anything — 'Should I max out my 401k?', 'What if my spouse stops working?', 'How much house can I afford?' — and it answers using your real projection data, not generic rules of thumb.

Question 8

What does the Monte Carlo stress test show?

Accepted Answer

Instead of assuming markets return 7% every year, it runs 1,000 simulations with randomized returns based on historical data. You see your probability of success across bear markets, average markets, and bull markets — so you know how robust your plan actually is.

Question 9

Is there a free plan?

Accepted Answer

Yes. Free includes: pick your decision, build your complete household model, see the year-by-year impact, get a clear verdict from the AI decision engine, and ask FinAI one question per session. No credit card required. Pro adds Monte Carlo stress testing, side-by-side comparisons, Roth optimization, and unlimited AI conversations.

Question 10

How long does it take?

Accepted Answer

Under 60 seconds. The wizard is a series of one-tap screens — income bracket, region, savings rate, spouse, kids. No typing, no math. Your complete financial model is built from a few smart defaults, and you can fine-tune any of the 50+ inputs later.

Question 11

Can I compare two options side-by-side?

Accepted Answer

Yes. Pro users can model up to 10 scenarios and compare them directly — like buying vs. renting, retiring at 55 vs. 60, or taking a higher-paying job vs. staying put. You see the net worth delta, tax impact, and retirement date shift for each option.

Feature	FinAI	Spreadsheet	Paid Professional
Decision engine (GO/NO/WAIT/SHIFT verdict)			Sometimes
AI grounded in your actual numbers
Complete household model (90+ variables)		Manual
Year-by-year net worth projection		Manual
Monte Carlo stress test			Extra cost
Roth conversion optimizer			Extra cost
Social Security timing analysis		Manual	Extra cost
Plan versioning & scenario comparison
Available at 3am
Annual cost	$0–$79	$0	$2,000–$5,000+

Before you decide, model it.

What decision is on your mind?

This is what a real answer looks like.

Three steps. One clear answer.

Build your household model

Pick the decision — or stack several

Get your verdict

Everything connected. Every answer grounded.

Your Complete Household Model

The Decision Engine

AI Grounded in Your Numbers

Stress-Test Against 1,000 Markets

Plan Confidence Score

Compare Scenarios Side by Side

Get your answer. Free.
Stress-test your plan forever. $79/yr.

Finally, a tool that gives you the actual answer

Frequently asked questions

The decision is already in your head. Time to model it.