Built by people who needed it
Promi is a small, independent, founder-led company. It started as the planning tool we wanted for our own family: the modeling a financial planner does, without the $3,000-a-year retainer.
Why Promi exists
Every mainstream finance app since 2007 has been built the same way: ingest your transactions, categorize them, show you what happened. Useful, but backwards. A financial planner starts from the other end, with who you are, where you live, and what your household should look like, and then checks reality against the model.
Promi was built to put that approach in an app: peer benchmarking from national statistics, budgets pre-filled for your ZIP code, and retirement projections that model your actual household. It launched on the App Store and the web in June 2026 and is built in the open, shaped directly by the people using it.
Being small is part of the product. There is no growth team optimizing engagement loops, no pressure to sell data, and no advisor upsell waiting at the end of a projection. Just the tools, priced like a subscription instead of a retainer.
Who builds it
Promi is built by a team of two, both from inside the industry the app is about. Between us: two MBAs and close to twenty years each in banking and payments. The background covers what a personal finance product has to get right, which is the modeling behind the projections, the software that runs it, and the regulatory and security discipline that decides how your data is handled.
Quantitative modeling and engineering
Quantitative modeling inside large banks: asset liability management, deposit and prepayment behavior, interest rate and balance sheet models, and the regulatory stress testing they answer to. More recently, building and governing machine learning models for fraud detection, cybersecurity and digital identity. Plus the software engineering that turns a model into something you can open on your phone.
Risk, compliance and consumer protection
Financial crimes, risk and compliance across banking and payments. The consumer protection rules that decide how a product like this one is allowed to talk to you, including Reg E, Reg Z, TILA and UDAAP. Anti-money-laundering and sanctions work, a CAMS certification, and years spent building control frameworks and answering to audits and regulatory exams.
We build it because financial education is badly under-served. A clean interface is table stakes, and plenty of apps stop there. What we care about is whether you understand your own numbers by the time you close the app, which is why there is an explainer on every page instead of a chart and a shrug, and why none of them tell you off for what you spent. It is also why the price is a subscription rather than the $3,000 a year you would pay someone to run these same projections by hand.
What we optimize for
Independent by design
No venture capital, no ads, no affiliate kickbacks, no selling your data. Promi answers to its subscribers, not to advertisers or fund managers.
Built on real statistics
Census and BLS spending surveys, federal tax brackets, and Federal Reserve survey data power the peer comparisons and planning models: statistics about households like yours, never data about you.
Security first
Read-only bank access via Plaid, encryption at rest and in transit, and row-level security on every table. We never touch your money.
Made for households
Couples, staggered retirements, joint and separate accounts. Promi models households the way they actually work, not as one person with one paycheck.
Questions, feedback, ideas?
Promi is shaped by the people who use it. Reach out any time. A real person reads every message.
Contact us