Everything You Need, Nothing You Don't

Features built for informed decisions

Name: Promi
Price: 13.99 USD

Promi connects to 12,000+ financial institutions via Plaid for live transaction syncing and real-time net worth tracking. Peer benchmarks, Monte Carlo simulations, tax-aware planning: the same data-driven clarity financial professionals use.

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Everything you need

Peer Comparison Smart Budgets FIRE Planning Retirement Projections Investment Tracking Market Data Net Worth Cash Flow Transactions EPIM Insights Learning Guides

Know How You Compare

Peer & local household comparison.

Income, assets, debt, and net worth ranked against peer percentiles.

National percentile rankings show whether you're top 15% for income or net worth.

A modeled local median, built from public Census data, compares your income to your area.

Open in the demo

Peer Benchmark

30sDual income1 childHomeowner

Peer ranges are adjusted for local purchasing powerHCOL

Your net worth is 2.2× your peer group.

Figures from a realistic sample household. Promi places you against your cohort on day one, before a single transaction syncs.

Top 20%Income nationally

Top 35%Net Worth nationally

Top 25%Net Worth vs. peers

Income

$184K

Top 40%

≈ same

median $172K

Assets

$957K

Top 35%

84% more

median $520K

Debt

$345K

Above typical

44% more

median $239K

Net Worth

$612K

Top 25%

2.2× more

median $281K

Income

Top 40% vs peers

$184K

peer median $172K · ≈ same

Assets

Top 35% vs peers

$957K

peer median $520K · 84% more

Debt

Above typical

$345K

peer median $239K · 44% more

Net Worth

Top 25% vs peers

$612K

peer median $281K · 2.2× more

Promi Insights

Income sits near the cohort median, so the net-worth gap comes from accumulation rather than earnings

Assets run 84% above the cohort median

Debt is 36% of assets, within the range typical for this cohort

Manual accounts

Budgets That Know Your Neighborhood

Pre-filled budgets based on where you live.

Suggested amounts for every category based on your household profile.

Track your spending pace vs. budget through the month.

12-month forecast with historical actuals and future projections.

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March 2026

Monthly Income

$8,400

Mortgage$2,159

Home Improvement$71

HOA Fees$0

Maintenance & Repairs$0

Groceries

$169/ $800

Transportation

$42/ $350

Dining Out

$273/ $400

Entertainment

$58/ $150

Retirement Contributions

$2,000/ $2,000

Emergency Fund

$500/ $500

Total

$5,419/ $7,200

March 2026

	Your plan		Actual	Difference
Category	Guide	Budget	Spent so far	Remaining
Monthly Income		$8,400		$1,200 unallocated
	$5,300	$4,150	$2,588	$1,562
	$3,000	$2,600	$2,230	$370
Mortgage	$2,160	$2,160	$2,159	$1
Home Improvement	—	—	$71
HOA Fees	$150	$150
Maintenance & Repairs	$300	$300
	$500	$400	$147	$253
Groceries	$1,000	$800	$169	$631
Transportation	$800	$350	$42	$308
	$650	$550	$331	$219
Dining Out	$450	$400	$273	$127
Entertainment	$200	$150	$58	$92
	$1,800	$2,500	$2,500	$0
Retirement Contributions	$1,500	$2,000	$2,000	$0
Emergency Fund	$300	$500	$500	$0
Total	$7,750	$7,200	$5,419	$1,781

the real product components · figures from a realistic sample household

Advisor-Grade FIRE Planning

Five FIRE variants, or build your own.

Coast, Barista, Lean, Traditional, and Fat: each with a live target priced from your actual spending, and your progress toward it.

Pick a path and the projection re-runs: the chart marks the year you reach it.

A market-aware safety check: the Shiller CAPE flags when your withdrawal rate sits above the historically safe range.

Custom is a sixth path: set your own expenses and withdrawal rate, and the target, chart and FI year rebuild from those.

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Retirement That Models Real Life

Monte Carlo simulations. Tax-aware drawdown.

1,000 simulations with p10–p90 confidence bands and success rate.

Named scenarios let you create, compare, and duplicate plans side-by-side.

Tax-smart drawdown across 5 buckets with Roth conversion opportunities.

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Investments That Actually Work

Real holdings. Real cost basis. Real alpha.

Holdings with ticker, shares, cost basis, and gain/loss across all accounts.

Asset allocation by type and sector with interactive donut chart.

Your portfolio vs. S&P 500: actual 1-year alpha or underperformance.

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Your Daily Financial Briefing

Curated market news and live data, right on your dashboard.

A daily curated news digest with the headlines that actually matter for your money, summarized in plain English.

S&P 500, Dow, NASDAQ, Russell 2000, VIX, and Gold with intraday sparklines and 1-day / 1-month / 1-year changes.

Your portfolio performance compared to benchmarks, so you can instantly see whether you're beating the market or trailing it.

Market summary and deep-dive analysis to help you understand what happened today and what it means for your plan.

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Markets

WeekendSep 25 session

S&P 500

7,743

+0.5%

+39.48

Dow

51,829

+0.9%

+483.10

Nasdaq

27,069

+0.5%

+129.96

Russell 2000

2,838

+0.1%

+1.98

VIX

-5.1%

-0.76

Gold

4,321

+0.5%

+22.72

Portfolio

1M +1.8%1Y +18.4%

$249,100

Markets rallied as U.S.-Iran peace hopes eased oil prices, with Dow surging 450 points and VIX falling 5.1%.
Micron led gains while Dow's 12.8% 1Y return trails Nasdaq's 20.9%, reflecting tech's stronger momentum.
S&P 500 up 17.2% over the past year despite a bumpy month, easily outpacing Dow's -3.1% (1M) dip.
Falling VIX and easing oil prices signal reduced near-term risk, though elevated yields still warrant caution.

Updated Sep 25 · 5:00 PM ET

the real dashboard component · live market data · portfolio figures from a sample household

The Number Everything Rolls Up To

Net worth, tracked across every account.

Line, bar, and stacked views from one month to all time, split by account, category, or person.

Growth shown in dollars and percent for every time range.

Household and per-person views that reconcile: joint accounts split evenly, so individual views add up to the household.

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Where The Money Actually Goes

Cash flow, from paycheck to projection.

Operating cash flow over 30, 60, 90, and 180 days, with burn rate and runway.

Sankey diagrams trace every dollar from income through to each spending category.

Moving-average overlays smooth out lumpy months so the trend stays readable.

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The Daily Driver

Categorization that sticks.

Merchant-level categorization: correct a merchant once and every future transaction follows, so you're not re-tagging the same purchases every month.

Full-text search and filters across every account, with category breakdowns and CSV export.

Calendar view with merchant logos, plus manual sync when you don't want to wait.

Open in the demo

9:41

TransactionsAll

August 2026 -$28

-$263

-$38

-$2k

-$479

-$650

-$236

-$181

+$168

-$419

-$568

-$125

-$256

-$67

+$7k

-$516

-$703

-$90

+$121

-$858

-$189

-$193

+$1k

-$825

-$65

Income: +$11,411
Spend: -$11,439
Net: -$28
Savings: 0%

Monday, August 24, 2026-$64.86

Starbucks

Coffee Shops

Pending-$20.97

Home Depot

Refund

Pending+$57.58

Chipotle

Restaurants

Pending-$101.47

Sunday, August 23, 2026-$824.55

Costco

Groceries

-$412.88

Chevron

Gas

-$78.20

United Airlines

Air Travel

-$333.47

Saturday, August 22, 2026+$1,024.00

Apple

Subscriptions

-$2.99

Amazon

Refund

+$1,051.98

Netflix

Subscriptions

-$24.99

Friday, August 21, 2026-$193.00

Safeway

Groceries

-$141.61

Uber

Rideshare

-$31.40

Spotify

Subscriptions

-$19.99

Thursday, August 20, 2026-$189.37

Target

Shopping

-$114.03

CVS

Pharmacy

-$28.44

Shell

Gas

-$46.90

Wednesday, August 19, 2026-$858.47

Walgreens

Pharmacy

-$63.18

Starbucks

Coffee Shops

-$7.85

Costco

Groceries

-$787.44

real merchant art · demo household data · scroll the list

Learn As You Go

Finance education built into every page.

Instant explainers on every page, with no extra cost and no waiting.

Deep dives that analyze your specific financial picture.

15+ in-context guides on budgeting, investing, taxes, and retirement.

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Guide library

Open one. This is the real thing, not a preview.

And 29 more inside the app, each one a click away from the number it explains.

the real in-app guides · select one to open it

And so much more

The complete financial picture

Recurring Payments

Auto-detected and manual recurring streams.
Calendar view with projected dates.
Weekly through annual frequency, with monthly and annual KPIs.

Goals & Debt Payoff

Save-up goals with compound growth projections.
Avalanche and snowball payoff strategies, side by side.
Extra payment and lump-sum simulator.

Couples & Households

Joint and individual accounts with per-person owner attribution.
Staggered retirement dates for each person.
Dual-income FIRE modeling.

Scenario Comparison

Named retirement scenarios with side-by-side charts.
Full Monte Carlo run per scenario.
Color-coded comparison table.

Social Security & Pension

Full SSA PIA formula across a 35-year career.
Early and delayed claiming ages.
Pension income in the retirement income donut.

Tax-Smart Drawdown

Withdrawals modeled across 5 tax buckets: pre-tax, Roth, taxable, HSA, tax-free.
Roth conversion ladders with bracket room.
72(t)/SEPP estimates and RMDs per SECURE 2.0. Illustrative, not tax advice.

Account Management

9 account types with institution logos and health status.
FRED market rates alongside your own.
Interest rate tracking on Plaid and manual accounts.

Local Area Data

Median home value and rent for your ZIP.
Income by age, education levels, demographics.
Modeled from public Census and Federal Reserve sources.

8 Visual Themes

Default, Slate, Sunset, Forest, Ocean, Blush, Neutral, and Dark.
Full dark mode throughout.
Themes carry across every page and chart.

Bank-Level Security

Read-only access via Plaid. We never move your money.
More than 200 row-level security policies.
Every table in the database is covered.

Interactive Demo

The full app with realistic data.
No sign-up required.
Peer comparison, budgets, FIRE, investments, and more.

Curated Financial News

A daily market digest on your dashboard.
Headlines summarized in plain English.
No noise, no clickbait. Just what affects your money.

EPIM on Every Page

Context-aware insights with typewriter animation.
Financial health scoring.
Humor toggle and 13+ page-specific contexts.

See every feature in action

Try the interactive demo, no sign-up required. Or create a free account to connect your own data.

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