AI-powered planning · Built around your numbers

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.

Taxes
Auto-calculated federal and state brackets, deductions, and IRMAA surcharges
Income
Work, Social Security, pensions, annuities, and rental streams
Real Estate
Property valuation, appreciation, and equity tracking
Debt
Mortgages, student loans, credit cards — with amortization
Expenses
Recurring and one-time costs, inflation-adjusted over time
Healthcare
Medicare Part B premiums and long-term care cost modeling

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.

Text chat
Detailed, data-backed responses using your plan context
Voice conversation
Hands-free advisor that runs what-if projections live

Financial Coach

Automated alerts surface opportunities and warnings — from Roth conversion windows to emergency fund gaps and approaching RMD deadlines.

Savings rateEmergency fundHigh-interest debtRoth opportunityIRMAA warningRMD planning

Wellness Score

A single 0–100 score across five pillars of financial health. Know exactly where you stand and what to improve first.

Retirement success
Savings rate
Debt-to-asset ratio
Emergency fund
Time horizon

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.

Try it free

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