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.

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30-day free trial, then $99.99 / year. Cancel anytime.

Your plan, panoramic

Every factor in your financial life — modeled

Confidence comes from more than just investments. Financho captures the full picture — including joint household planning for couples — so nothing falls through the cracks.

Taxes

Auto-calculated federal and state brackets, FICA, long-term capital gains, NIIT, IRMAA surcharges, and RMDs

Income

Work, Social Security, pensions, annuities, and rental streams

Real Estate

Property valuation and equity tracking — appreciation rates auto-populated from FHFA county-level House Price Index data

Debt

Mortgages, student loans, credit cards — with amortization

Expenses

Recurring and one-time costs, inflation-adjusted over time — with optional Guyton-Klinger dynamic spending guardrails

Healthcare

Pre-Medicare ACA marketplace coverage, Medicare Part B premiums, and long-term care costs

Investments & Accounts

401(k), IRA, Roth, taxable brokerage, HSA, and 529 — each with accurate tax treatment and contribution limits

Portfolio Tracker

Add individual holdings by ticker, track live prices, cost basis, unrealized gains, and dividend income across all accounts in one view

Reports & Exports

Download professional 8-section A4 retirement report PDFs, export accounts to CSV, or tell the AI to save plan scenarios

Explore & analyze

Ten 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 or run couples joint-claiming analysis modeling spousal and survivor benefits with an interactive 9x9 heatmap.

Historical Backtesting

Run your plan through every overlapping historical sequence since 1926 (Shiller S&P 500, Ibbotson bonds, and CPI data) and replay famous market crashes.

Withdrawal Strategy

Compare spending from traditional, Roth, and taxable accounts to see how each order affects lifetime taxes and ending wealth.

College Planning

Project 529 savings against future college costs, model state tax breaks, and stress-test your education funding strategy.

Die with Zero Calculator

Discover the maximum flat annual spending limit that will draw your portfolio to exactly $0 by your life expectancy.

Optimal Allocation

Sweep every equity/bond mix from 0–100% through Monte Carlo and chart both portfolio survival probability and median terminal wealth — so you can find the allocation that balances staying solvent with leaving a legacy.

Built-in intelligence

An AI advisor, a financial coach, and a wellness score

Three layers of intelligence that work together to help 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

AI Scenario Saving

Direct the AI to automatically save scenarios as you explore plan changes

Financial Coach

Smart in-dashboard flags surface opportunities and warnings — Roth conversion windows, emergency-fund gaps, approaching RMD deadlines — recalculated every time your plan changes.

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

Peace of mind for your loved ones

Break Glass Emergency Access

Ensure your spouse or partner isn't left in the dark if the unexpected happens. Financho's secure emergency portal allows a designated claimant to take ownership of your household plan when they need it most.

Generate a secure offline access code for your estate documents
AI-drafted financial roadmap to guide your partner
24-hour security delay window with email cancellation alerts
Seamlessly transition household ownership without support tickets

Have an emergency code?

Emergency Roadmap

Financho automatically drafts a step-by-step guide explaining your assets, accounts, and instructions to your partner.

# First Steps

Contact Vanguard for the 401(k) survivor benefits. We have 60 days to process the rollover.

# Income Sources

Activate the term life insurance policy immediately, then look at Social Security survivor benefits.

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.

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How we compare

Most planners estimate. Financho simulates.

Other commercially available planning apps treat inflation as a fixed slider, gate their tax tools behind premium tiers, and can't tell you how your plan would have survived 1929. Here's what our engine does differently.

Inflation as a risk

10,000 Monte Carlo trials where stochastic inflation flows through tax brackets, IRMAA tiers, and the FICA wage base — not one fixed assumption.

A century of backtesting

Replay your plan through every market sequence since 1926 — including the crashes — with real S&P 500, bond, and CPI data.

One price, no tiers

$99.99/yr for everything, and the 30-day trial includes it all. The leading DIY planner's free tier withholds Monte Carlo and tax planning, and its paid tier runs $144/yr.

See the full comparison

Simple pricing

$99.99/ year

Full access to every feature — projections, Monte Carlo, AI advisor, Roth optimizer, and more.

30-day free trialCancel anytimeNo hidden fees