Create your Financial Plan

With FinZot's Powerful features

Every number behind your plan

Cash flow, balance changes and taxes as statements, a column for every year and every line opening to its parts. Click a line to chart it across the plan.

Cash flow for retiring at 62, with a chart of every year's inflows and outflows above a statement for 2033 to 2043. Wages of $170k stop in 2036, combined CalSTRS pensions of about $124k take over from 2037, investment withdrawals of about $17k a year fill the gap until Medicare, and inflows match outflows every year.

What sets FinZot's planning engine apart

Taxes down to the lot

FinZot knows what you paid for every share, so every sale is taxed on the real gain and every dividend in the year it lands.

How selling is taxed

Tax treatment, fund by fund

Hold a muni bond fund and its interest stays out of your federal taxes but still counts toward Medicare premiums and ACA credits, just like it does in real life.

How funds are taxed

Monte Carlo built from real market history

A thousand trials stitched from real stretches of market history, so stocks, bonds, and inflation move together the way they actually did. Each fund is then scaled to your own expected return and volatility.

How the trials are built

Roth conversions sized to the dollar

Fill a tax bracket, an IRMAA tier, or an ACA threshold and FinZot reruns your whole tax return until the conversion lands right on it.

How conversions are sized

The compare scenarios view showing Retire @57 against Retire @62. The only differences are the two retirement milestones, age 57 versus 62, each with arrows to copy the setting across.

See exactly what differs between scenarios

Put two scenarios side by side and every setting that differs is highlighted, down to the field. Copy one change across with a click, or apply everything from one scenario to the other.

Spend what your portfolio can sustain

Variable spending amortizes your assets over the years you have left and re-plans every year from the balance you actually have, the way lifecycle economics has said to since Samuelson and Merton in 1969. Fixed expenses come first. Everything above them flexes with the market, so across a thousand trials you see a range of retirements instead of a pass or fail.

How FinZot models variable spending

Distribution of average retirement consumption across 1,000 Monte Carlo trials for retiring at 57, 60 and 62 with variable spending on. Retiring at 62, most trials average about $156k to $320k a year (10th to 90th percentile), against about $127k to $236k retiring at 57, where many trials stay near the fixed-expense floor.

Cumulative failure rate across 1,000 Monte Carlo trials for retiring at 57, 60 and 62. Retiring at 57 climbs to about 26% by 2066, 60 to about 7%, and 62 to about 2%.

Know Your Chance of Success

A thousand Monte Carlo trials, each stitched from blocks of consecutive years of real market history rather than drawn from a bell curve, and each a full tax-aware run of your plan. See when and how often a fixed budget breaks.

How FinZot's Monte Carlo works

What if you retired into a financial crisis?

Replay your plan through real market history. Here all three scenarios retire into 1966 and the stagflation that followed. Dashed years are the replay.

Net worth for retiring at 57, 60 and 62 when each scenario retires into a replay of the market starting in 1966. Retiring at 57 runs out of money at 76 and retiring at 60 at 91, while retiring at 62 still holds about $1.0M.

Stacked bar chart of federal income tax by bracket from age 52 to 91. Tax is about $18k a year while working, drops to about $14k after retiring at 62 and $11k from 65, climbs from age 75 when RMDs begin, reaches the 24% bracket at 85, and touches 32% in the final single-filer year.

See every tax bracket, every year

Federal income tax by bracket for the retire-at-62 scenario. Tax falls at retirement, then required minimum distributions at 75 push the plan into the 22% bracket and, from 85, the 24%. The last bar is the surviving spouse filing single.

How FinZot models Roth conversions

Use Real Index Fund Data

Define investment assets using real index funds such as VTSAX, VBTLX, and VTIAX.

What FinZot Covers

AI

Claude AI Connector

Connect Claude, Anthropic's AI assistant, to your FinZot account and work on your plan in plain English.

✓ Read Your Plan
✓ Update Your Plan
✓ Analyze Your Plan
✓ Optimize With Claude
✓ Start From Nothing
✓ Always Undoable

Family & Household

Model your full family timeline — marriage, children, moves, and life expectancy.

✓ Filing Status
✓ Future Marriage
✓ Child & Dependent Modeling
✓ Moving States
✓ Full Lifetime Planning

Income & Cash Flow

Track every income source — salary, stock compensation, side income, pensions, Social Security.

✓ Flexible Sizing Engine
✓ RSU Grants
✓ Refresh Grants
✓ Pension & Defined Benefits
✓ Pension Elections
✓ Federal & Military Pensions
✓ Social Security Timing
✓ Earnings Test
✓ Survivor & Spousal Benefits
✓ Benefit Reduction Scenarios

Retirement & Savings

Optimize 401(k)s, IRAs, HSAs, and 529s with detailed contribution modeling.

✓ Multi-Tier Employer Match
✓ Employer Contributions
✓ Smart Contribution Sizing
✓ Advanced 401(k) Strategies
✓ Backdoor Roth IRA
✓ Roth Conversions
✓ HSA & 529 Plans
✓ Deferred Compensation
✓ Solo 401(k)
✓ Required Minimum Distributions

Investment & Withdrawal Strategy

Detailed allocations, strategic withdrawals, and exact per-transaction tax impact.

✓ Conversion & Withdrawal Optimizer
✓ Three Ways to Size a Withdrawal
✓ Tax-Targeted Fills
✓ Strategic Withdrawal Order
✓ Per-Account Asset Allocation
✓ Dynamic Allocation Updates
✓ Tax-Lot Level Tracking
✓ Configurable Sell Strategies
✓ SEPP / 72(t) Early Withdrawals
✓ Rule of 55
✓ HSA 'Keep Receipt' Strategy

Market Data & Assumptions

Real index fund history by default, with your own assumptions layered on top.

✓ Real Index Fund Data
✓ Return Overrides
✓ Custom Assets
✓ Volatility Overrides
✓ Market Conditions Control

Real Estate

Model primary homes and rentals — taxes, depreciation, and sales.

✓ Primary & Rental Properties
✓ Rent as a Percent of Value
✓ Property Tax Modeling
✓ Depreciation & Recapture
✓ Property Lifecycle
✓ Selling Costs & Home Sale Exclusion

Debt & Liabilities

Track every liability and model custom payoff strategies.

✓ Amortizing & I.O. Loans
✓ Detailed Loan Terms
✓ Extra Debt Payments
✓ Adjustable-Rate Mortgages

Tax Strategy

Capital gains stacked on ordinary income, Social Security's 50% and 85% tiers, AMT, NIIT, IRMAA, ACA credits, and the retirement income rules of 41 states and DC, every year of the plan.

✓ Federal & State Taxes
✓ Local Income Tax
✓ State Retirement Income Rules
✓ Social Security Taxation
✓ Senior Bonus & SALT Cap
✓ FICA & Self-Employment Tax
✓ Net Investment Income Tax (NIIT)
✓ Itemized Deductions
✓ Medicare Premiums & IRMAA
✓ ACA Premium Tax Credits
✓ Same-Year Tax Accuracy
✓ Carryforwards
✓ Step-Up in Basis
✓ Inherited Account Rules
✓ Alternative Minimum Tax (AMT)
✓ QBI Deduction (§199A)
✓ Qualified Charitable Distributions
✓ Heir Tax Rate

Dynamic Modeling

A spreadsheet-like formula engine that makes your plan react to life.

✓ Dynamic Milestones
✓ Custom Formula Engine
✓ Advanced Temporal Logic
✓ Event-Driven Timing
✓ Variable Spending
✓ Spending Guardrails
✓ Flexible Expenses
✓ Hide Without Deleting

Scenarios & Stress Testing

Test resilience against history and compare what-if futures side-by-side.

✓ Monte Carlo Analysis
✓ Explore Any Trial
✓ Percentile Bands
✓ Historical Market Testing
✓ Multi-Scenario Comparison
✓ Scenario Diff & Copy
✓ Full Version History

AI