Built by a finance professor.
PhD in household finance. Used this system to go from $217K to $3.56M.
Professor’s salary. Five kids. Every dollar accounted for.
14% effective tax rate. $79K/year for a family of 7. $1.7M in market gains.
See the planning engine
These are live, interactive charts from the actual product — not screenshots. Hover, toggle, zoom. This is what your dashboard looks like.
See your financial dashboard
10 years of real financial data — reconciled to the penny. Net worth, spending, income, and investment gains all in one place.
How we stack up
Everything your advisor does. Everything YNAB doesn’t. $1 to prove it.
| Feature | YNAB | Financial Advisor* | ProCFO |
|---|---|---|---|
| Bank connections | ✓ | ✗ | ✓ |
| Spending tracking & reports | ✓ | ✓ | ✓ |
| Net worth tracking | ✓ | ✓ | ✓ |
| Available 24/7 | ✓ | ✗ | ✓ |
| Reconciling financial statements | ✗ | ✗ | ✓ |
| Paycheck decomposition | manual | ✗ | automated |
| Knows your actual tax rate | ✗ | estimates | 51 jurisdictions |
| Catches tax traps (IRMAA, ACA, SS torpedo) | ✗ | sometimes misses | ✓ |
| Tax-optimized savings waterfall | ✗ | generic | personalized |
| Retirement projections | ✗ | ✓ | ✓ |
| Tax-smart withdrawal strategy | ✗ | ✓ | proven optimal |
| Roth conversion planning | ✗ | ? | ✓ |
| Social Security optimizer | ✗ | sometimes | ✓ |
| You keep control of your money | ✓ | ✗ | ✓ |
| Conflicts of interest | none | paid on assets, not outcomes | none |
| Reconciles to $0 | ✗ | ✗ | ✓ |
| Envelope budgeting | ✓ | ✗ | ✗ |
| Annual cost (advisor = 1% AUM) | |||
| $100K portfolio | $109 | $1,000 | $149 |
| $1M portfolio | $109 | $10,000 | $149 |
| $10M portfolio | $109 | $100,000 | $149 |
| % of your wealth erased by advisor fees (1% AUM)† | |||
| 20 years | 0% | 17–38% | 0% |
| 30 years | 0% | 25–51% | 0% |
| 40 years | 0% | 31–61% | 0% |
| 50 years | 0% | 37–69% | 0% |
* Advisor quality varies wildly, but nearly all charge ~1% of assets under management. Even the best ones — fee-only fiduciaries who recommend low-cost index funds and give honest tax advice — are devastating to your long-term wealth accumulation at that price. The worst (~95% of the industry) compound the damage: steering assets into accounts they manage instead of your 401k, recommending high-cost funds that pay commissions, and generating unnecessary turnover that triggers taxable events. Software with flat pricing is conflict-free by construction — it has no AUM to protect.
† The math is ((1+r−fee)/(1+r))n — nearly independent of return assumptions. These are conservative: add high-cost funds (+0.5% ER), churning, and tax drag, and a human advisor easily destroys 50%+ over a career. Flat-fee products don’t scale with your portfolio, so fee drag is effectively 0%.
Your data is encrypted. Here’s the proof.
Most financial apps say “bank-level encryption” and show a lock icon. Here’s what our database actually stores.
| user_id | account_name | institution | balance |
|---|---|---|---|
| a1b2c3d4e5...7d6c | enc:3a7f1b:c9e2d4:8b1f... | enc:7d4e2a:f1b3c5:2e9a... | $47,832.19 |
| a1b2c3d4e5...7d6c | enc:5c8d2e:a4f1b7:6d3e... | enc:9b2f4a:d7e3c1:4a8f... | $312,457.83 |
Pricing
Confident enough to give you the first 18 months for $1.
No premium tier. No enterprise plan. Everyone gets everything.
One product. One price. Zero conflicts of interest.