Most finance apps start with your transactions.
Promi starts with you.
We model what your finances should look like before we ever see a transaction. Then your real money shows where the model is right, and where you're not.
No sign-up required · Explore with sample data · Takes 2 minutes
Why Promi?
The architecture a financial planner uses.
Automated, for the cost of a subscription.
Promi models what your household should look like from your age, income, ZIP, and family, using Census, BLS, IRS, and AI data. Then it verifies the model against your real bank activity. The same approach a CFP would use, except it's automated and runs continuously instead of in a quarterly check-in.
Know How You Compare
Stop guessing where you stand.
Compare your finances against statistically matched households, both nationally and in your ZIP code.
Promi matches your household by age, income, education, and location to show how your income, assets, debt, and net worth compare at the 25th, 50th, and 75th percentile.
- National percentile rankings: see exactly where you fall for income and net worth
- Local Census comparison: your income vs. the local median, segmented by age
- Leverage & wealth ratios: debt-to-assets, net worth-to-income, with contextual interpretation
- Narrative insights: AI-generated takeaways like “You earn like your peers, but you've built 3x more wealth”
No other consumer app gives you this level of household benchmarking.
Budgets That Know Your Neighborhood
Pre-filled budgets based on where you live.
Forget generic national averages. Promi's GUIDE column tells you what households like yours actually spend.
When you open the budget page, it's not blank. Promi pre-fills spending estimates using your household profile, local cost of living, and national benchmarks, so you start from a realistic baseline instead of a guess.
- GUIDE column: purple-highlighted suggested amounts for each category, toggleable on/off
- Sub-category splits: know how much of “Housing” goes to mortgage vs. maintenance vs. HOA
- Cohort benchmarks: see what your income tier typically spends per category
- Cumulative spending chart: track actual vs. budget pace through the month
- Forecast view: 12-month rolling spreadsheet with historical actuals and projections
Advisor-Grade Planning
FIRE planning that actually models your life.
Monte Carlo simulations, five FIRE variants, Social Security modeling, and dual-spouse staggered retirement.
This isn't a simple “when can I retire” calculator. Promi runs the same analysis a fee-based financial planner would:
- 1,000 Monte Carlo simulations: see confidence bands (p10 to p90) not just a single line
- 5 FIRE variants: Lean, Regular, Fat, Coast, and Barista FIRE with configurable SWR
- Tax bucket withdrawals: model pre-tax, Roth, taxable, and HSA ordering (advanced tax analysis in active development)
- Social Security estimator: full SSA PIA formula with early/delayed claiming impact
- What-if scenarios: save more, cut expenses, or run bear and bull markets, and see exactly how each changes your timeline
- Life events: model college tuition, home purchase, healthcare costs with inflation adjustment
Investments That Actually Work
Real holdings. Real cost basis. Real alpha.
Every ticker, share, and gain across all your 401(k)s, IRAs, and brokerage accounts.
Most finance apps show you an account balance and call it “investment tracking.” Promi shows you what you actually own and how it's performing.
- Per-holding detail: ticker, shares, market value, cost basis, gain/loss ($ and %)
- Asset allocation: stocks, bonds, cash, crypto breakdown with sector analysis
- Portfolio vs. S&P 500: your actual alpha/underperformance over 1 year
- Contribution history: track 401(k), IRA, HSA progress toward IRS limits
- Live market data: S&P 500, Dow, NASDAQ with AI market commentary
Learn As You Go
Finance education built into every page.
Instant explainers on every page, with no extra cost and no waiting.
AI deep dives that analyze your specific financial picture.
15+ in-context guides on budgeting, investing, taxes, and retirement.
And so much more
Everything you need in one place
Net Worth Tracking
Line, bar, and stacked charts from 1M to All time. Filter by account, category, or household member. Growth delta + percent.
Cash Flow Analysis
Operating cash flow over 30/60/90/180 days. Burn rate, runway projection, moving average overlay, and money flow Sankey diagrams.
Recurring Payments
Auto-detected + manual recurring streams. Calendar view with projected dates. Weekly through annual frequency. Monthly/annual KPIs.
Goals & Debt Payoff
Save-up goals with compound growth projections. Avalanche vs. snowball debt payoff strategies. Extra payment and lump-sum simulator.
Couples & Households
Joint + individual accounts. Per-person owner attribution. Staggered retirement. Dual-income FIRE modeling.
Retirement Scenarios
Named scenarios with side-by-side comparison. Full projection engine + Monte Carlo per scenario. Life event modeling.
Social Security & Pension
Full SSA PIA formula with 35-year career modeling. Early/delayed claiming impact. Pension modeling. Income source breakdown at retirement.
Tax-Smart Drawdown
Withdrawal modeling across 5 tax buckets (pre-tax, Roth, taxable, HSA, tax-free). Roth conversion ladders, 72(t)/SEPP, and RMD analysis in active development.
Transaction Management
Full search & filter. Calendar integration with date selection. Category breakdown. Merchant logos. CSV export. Manual sync.
Account Management
9 account types. Institution logos & health status. FRED market rates for comparison. Interest rate tracking. Manual + Plaid support.
Local Area Data
Census-based local stats — median home value, rent, income by age, education levels, demographics. Real ACS data for your ZIP.
Bank-Level Security
Read-only access via Plaid. We never move your money. More than 200 row-level security policies protect every table in the database.
Interactive Demo
Explore the full app with realistic data — no sign-up required. Peer comparison, budgets, FIRE, investments, and more.
AI on Every Page
Context-aware AI insights with typewriter animation. Financial health scoring. Humor toggle. 13+ page-specific contexts.
8 Visual Themes
Default, Slate, Sunset, Forest, Ocean, Blush, Neutral, and Dark. Full dark mode throughout. Make Promi yours.
See it for yourself
No sign-up required. Explore the full app with realistic demo data: peer comparisons, budgets, FIRE projections, investment tracking, and more.