How it works
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. The same approach a financial planner uses, automated.
The architectural difference
Reactive apps describe your past. Promi predicts what your present should be.
Mint, Monarch, Copilot, YNAB: every consumer finance app since 2007 has been built on the same idea: ingest your transactions, categorize them, show you what happened. Useful, but reactive. They can tell you that you spent $812 on groceries last month. They can't tell you whether $812 is normal for a dual-income household with a kid in your ZIP, or what your savings rate should be given your age and income, or whether your retirement track is on schedule for someone in your life stage.
Financial planners answer those questions every day. They start with your demographic and life situation, build a model of what your household should look like, then check your reality against the model. Promi is the first consumer app built the same way.
Step 1
Tell us about you.
A 5-minute questionnaire. The same questions a financial planner would ask, except we don't charge $400 an hour to ask them.
Age, household, ZIP, rough income, kids. That's it. We use these inputs to pull cost-of-living data for your area, compute your after-tax income for your bracket and state, and benchmark your household against statistically matched peers from national survey data.
No bank account connected yet. No transactions ingested. And we already have a defensible, accurate picture of what your money should look like.
- Adults
- 2
- Kids
- 1
- Ages
- 34 & 31
- Location
- Austin, TX · HCOL
- Income
- $200K – $250K
From this, the model derives: cost-of-living adjustments, federal + Texas tax computation, expected category-level spending, peer-cohort benchmarks, savings-rate baseline, and the FIRE / retirement projection inputs.
Step 2
We build the model from public data + AI.
Census, BLS, IRS tax tables, ZIP-level cost-of-living, and AI to fill the gaps. The same data sources a financial planner draws on, assembled automatically for your household.
The model produces a pre-filled budget specific to your household. It shows up as the GUIDE column on the budget page: purple-highlighted suggested amounts for every category, calibrated to what households like yours actually spend.
No other consumer finance app does this. Most apps require you to build your budget from scratch (YNAB) or learn from your past spending (Mint, Monarch, Copilot). Promi gives you a calibrated starting point on day one.
Step 3
Connect your accounts in one click.
12,000+ institutions via Plaid. Live transaction sync. No CSV imports, no spreadsheet maintenance, no drag-and-drop.
Most apps stop here and call it “tracking.” They aggregate your accounts, run AI categorization, draw some pie charts, and ship. Promi treats this step as the input to the next one. Your real bank data is the ground truth the model gets measured against.
Read-only access. We never move your money. Bank-level encryption. More than 200 row-level security policies protect every table in the database.
Step 4
Reality meets the model, and you see where you stand.
This is the step nobody else does. We compare what you actually spent, earned, and accumulated against what the model predicted for someone in your life stage.
Did your real grocery spend match what dual-income households with one kid in your ZIP typically spend? Where are you ahead of the model? Where are you behind it? How does your real net-worth trajectory compare to the 25th, 50th, and 75th percentile of households like yours?
This is the loop that closes. Other apps either build the budget from scratch (YNAB) or describe your past (Mint). Promi tells you how close your reality is to the financial life you should be building. That comparison is the most valuable single insight a financial planner provides.
Step 5
Retirement and FIRE come free.
By the time you've done steps 1 through 4, the retirement and FIRE math is already there. Same data, different visualization.
No second app, no second subscription, no manual data re-entry. The household profile, the cohort model, the connected accounts, and the spending verification all flow into the same projection engine: 1,000-run Monte Carlo simulations, Social Security PIA modeling, and five FIRE variants with configurable SWR.
The same projections a fee-only financial planner builds in a spreadsheet and charges $3,000 a year to maintain, assembled automatically from data we already have.
What it replaces
The architecture a financial planner uses. Automated. For the cost of a subscription.
A fee-only financial planner
Does the same demographic-model-meets-reality work. Manually. In a spreadsheet. With quarterly check-ins.
Three apps that don't talk
Monarch ($99) for budgeting + ProjectionLab ($129) for retirement + a manual spreadsheet for the gaps. Doesn't connect the inputs.
Promi
All of the above, integrated, automated. One subscription, every feature, no upsells.
See it for yourself
No sign-up required. Explore the full app with realistic demo data: the model, the verification loop, the FIRE projections, all of it.
Launch Interactive Demo