CFP-level financial analysis.
Start free. Unlock for $89.
Comprehensive 8-module analysis covering retirement readiness, Social Security optimization, tax strategy, insurance, and more — powered by deterministic financial engines with AI explanation, not AI guessing.
Start Free — see your results in 30 minutes
30-day money-back guarantee. No credit card required to start.
More modules than Boldin. AI coaching included. $99/year.
Whether you're a W-2 employee, freelancer, small business owner, military, or retired — we've got you covered.
How It Works
Answer Questions
Walk through a guided conversation about your income, assets, debts, goals, and family situation. Takes about 20-30 minutes. Save and come back anytime.
Engine Runs Your Numbers
Your data feeds into 8 deterministic financial engines — Monte Carlo simulations, Social Security optimization, tax modeling, and more. No AI hallucination. Every calculation is auditable.
Get Your Analysis
Receive a comprehensive analysis with clear explanations. Interactive dashboard for exploration, downloadable PDF for your records. AI explains results in plain language.
8 Analysis Modules
Every analysis covers all 8 modules, powered by deterministic financial engines with known-answer-tested calculations.
Retirement Readiness
10,000-scenario Monte Carlo simulation projecting whether your savings sustain your lifestyle through your target age.
Social Security Optimization
Claiming strategy analysis for worker, spousal, and survivor benefits under current law (post-2015 Bipartisan Budget Act).
Tax Strategy
Withdrawal sequencing, Roth conversion windows, and RMD projections under SECURE Act and SECURE 2.0.
Insurance Analysis
Long-term care self-insurance feasibility and life insurance / pension decision breakeven analysis.
Investment Allocation
Age-based asset allocation by category with pension-as-bond offset and rebalancing guidance.
College Funding
529 optimization with state-specific tax benefits, financial aid impact, and coordination with retirement goals.
Estate Planning
Document checklists, CRAT analysis, beneficiary review, and wealth transfer education.
Budget & Cash Flow
Cash flow analysis, emergency fund adequacy, debt payoff prioritization, and projected spending range.
Deterministic Engines, Not AI Guessing
Your financial numbers are too important to leave to AI hallucination. Our 8 calculation engines are deterministic, auditable, and tested with known-answer test suites. AI explains the results in plain language — it never generates the numbers. Every projection is reproducible and verifiable.
Simple, Transparent Pricing
A typical CFP charges $2,600–$10,000 for a comprehensive financial plan. Start your analysis free, then unlock the full dashboard for $89.
Free
no credit card required
- ✓Full 8-module analysis (all engines run)
- ✓Limited dashboard (blurred details)
- ✓Area count + one named priority area
- ✓Personalized context confirmation
Snapshot
one-time payment
- ✓Full 8-module financial analysis
- ✓Complete interactive dashboard
- ✓Retirement readiness assessment
- ✓Social Security claiming analysis
- ✓Tax strategy analysis
- ✓Investment allocation analysis
- ✓Insurance coverage analysis
- ✓Estate planning overview
- ✓Budget & cash flow analysis
- ✓Downloadable PDF report
Annual
billed annually
Same price as Planning Partner — without coaching
- ✓Everything in Snapshot
- ✓Unlimited analysis re-runs
- ✓Annual tax table & projection updates
- ✓Life event triggers
- ✓Market condition context
Planning Partner
billed annually
- ✓Everything in Annual
- ✓Unlimited AI coaching conversations
- ✓Full financial context in every conversation
- ✓What-if scenario modeling
- ✓Automatic profile updates from conversations
- ✓Proactive financial insights
All paid plans include a 30-day money-back guarantee.
What's Free?
Every user gets a full 8-module financial analysis at no cost. You answer questions about your situation, our engines run all calculations, and you see a limited dashboard with your area count and one named priority area. Details are blurred until you unlock with Snapshot ($89 one-time) or subscribe to Planning Partner ($99/year) for full access plus AI coaching.
Included free:
- ✓Full 8-module analysis run
- ✓Area count summary
- ✓One named priority area
- ✓Personalized context confirmation
Requires upgrade:
- ◯Full interactive dashboard
- ◯Detailed module breakdowns
- ◯Downloadable PDF report
- ◯AI coaching conversations
Built by a Former Certified Financial Planner
Our deterministic engines implement the same calculations used by Certified Financial Planners — Monte Carlo simulations, Social Security benefit formulas (post-BBA 2015), SECURE Act 2.0 withdrawal rules, and more. Every engine module is validated against hand-calculated known-answer test suites.
Get Your Financial Analysis Today
Get your comprehensive financial analysis today — the same depth a CFP delivers, powered by deterministic engines, for a fraction of the cost.
Start Your Free AnalysisThis analysis is for educational and informational purposes only. It does not constitute investment advice, financial planning advice, or a recommendation to buy or sell any security. AI Financial Plan is not a registered investment adviser, broker-dealer, or financial planner. You should consult with a qualified professional before making financial decisions. Past performance and projected outcomes are not guarantees of future results.