Simulate any scenario.
Plan a future you trust.
Financho is a comprehensive retirement and financial planning platform. Model income, taxes, real estate, and debt — then stress-test it all with Monte Carlo simulations and interactive explorers.
Your plan, panoramic
Every factor in your financial life — modeled
Confidence comes from more than just investments. Financho captures the full picture so nothing falls through the cracks.
Explore & analyze
Six interactive explorers. Zero guesswork.
See the impact of every decision before you make it — from retirement timing to tax-optimized withdrawals.
Net Worth Projection
Chart your net worth from today through life expectancy. Adjust retirement age, savings, and expenses to instantly see impact.
Monte Carlo Simulation
Stress-test across 10,000 randomized market scenarios. See your success probability and the p10–p90 outcome band.
Cash Flow Explorer
Annual income vs. expenses with a full tax projection by age — peak income, peak tax year, and lifetime tax burden.
Roth Conversion Explorer
Model converting traditional IRA or 401(k) funds to Roth with auto-calculated federal and state marginal tax rates.
Social Security Optimizer
Compare claiming ages 62–70 with cumulative lifetime benefit, break-even analysis, and a personalized recommendation.
Withdrawal Strategy
Compare spending from traditional, Roth, and taxable accounts to see how each order affects lifetime taxes and ending wealth.
Built-in intelligence
An AI advisor, a financial coach, and a wellness score
Three layers of intelligence that work together to keep your plan on track and surface opportunities you might miss.
AI Advisor
Ask plain-language questions like “When can I retire?” or “What if I move to Texas?” and get answers grounded on your actual numbers.
Financial Coach
Automated alerts surface opportunities and warnings — from Roth conversion windows to emergency fund gaps and approaching RMD deadlines.
Wellness Score
A single 0–100 score across five pillars of financial health. Know exactly where you stand and what to improve first.
Compare up to 5 scenarios side-by-side
Retire at 60 vs. 65? Downsize your home? Move to a no-income-tax state? Create independent what-if plans and instantly compare retirement age, ending net worth, and Monte Carlo success rates.
Your path to financial confidence starts here.
No credit card required. Build your plan in minutes, explore scenarios, and talk to your AI advisor — all free.
Get started — free