Help Center
Find answers to common questions about your account, projections, and features.
Can't find what you need?
Click the chat button in the bottom-right corner to ask our AI assistant any financial planning question.
What decisions can FinAI help me with?
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.
Can I combine several decisions into one strategy?
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.
How is this different from a spreadsheet?
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.
How is this different from hiring a CPA or planner?
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.
How accurate is it?
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.
Is my financial data secure?
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.
What does Ask FinAI actually do?
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.
What does the Monte Carlo stress test show?
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.
Is there a free plan?
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.
How long does it take?
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.
Can I compare two options side-by-side?
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.
How do I export my retirement plan as a PDF?
PDF export is available on the Pro plan. From your plan editor, click the "Export PDF" button in the top-right corner. The PDF includes your full year-by-year projection, key outcomes, and net worth chart.
Can I share my plan with my spouse or a professional?
Yes. From the plan editor, click "Share" to generate a read-only share link. Anyone with the link can view your projection without logging in. Pro users can also export a PDF to share offline.
How do I cancel my subscription?
Go to Settings → Billing, then click "Cancel subscription." You can also pause for 3 months instead of cancelling — your plan data is preserved either way. Cancellation takes effect at the end of your billing period.
What does the Monte Carlo simulation show?
Monte Carlo runs 1,000 simulations of your plan using varying market return sequences. It shows the probability your portfolio survives your full retirement — typically defined as age 95. A result of 85%+ is generally considered strong by retirement planning research.
How does the Roth Conversion Optimizer work?
The optimizer identifies years where your taxable income falls below a bracket ceiling, then models the impact of converting traditional 401k/IRA funds to Roth up to that ceiling. It projects the tax cost now vs. the tax savings in retirement from tax-free growth and withdrawals. This is a projection tool — consult a tax professional before executing conversions.
Can I model a spouse or partner?
Yes — enter combined household income and savings in your plan. Social Security inputs support two separate benefit estimates. Scenario comparison (Pro) lets you model one-spouse-stops-working scenarios.
How do I update my projection after a salary change?
Go to your plan editor and update the "Annual gross income" field. The projection re-runs automatically within a second. Save your scenario after confirming the results look right.
What is Coast FIRE and how is it calculated?
Coast FIRE is the portfolio balance at which your investments will grow to your full FIRE number by retirement — without any further contributions. Formula: Coast FIRE = FIRE Number / (1 + r)^years to retirement. At 7% returns and 30 years, you need roughly 13% of your FIRE number today.
Does the projection account for Social Security?
Yes. Enter your estimated Social Security benefit (find it at SSA.gov) and your expected claim age. The projection adds SS income starting in that year, which reduces portfolio withdrawals and significantly extends plan viability.
Why does my retirement date keep changing?
The projection re-runs every time you change an input. Small changes in savings rate, return assumption, or spending can shift the retirement year significantly — that sensitivity is the point. Your retirement date is a live function of your choices, not a fixed number.