A web app lets users enter their full financial picture, then build side-by-side scenarios for mortgage payoff, refinancing, investing, retirement timing, inheritance management, debt consolidation, and home purchases. The tool projects cash flow, net worth, risk, tax-sensitive account impacts, liquidity, and retirement sustainability, then highlights tradeoffs and suggested next actions.

Higher interest rates, volatile markets, aging parents, inheritance transfers, and delayed retirement decisions are making household finance choices more complex. Consumers increasingly want self-serve financial planning tools before deciding whether to hire an advisor.