Calculators that show their work and label every assumption as ours, harvestable losses found in August rather than February, and an insurance read that tells you what you’re missing.
Target $40,860 — six months of your fixed spending, not a round number.
Why this isn’t in your brokerage app
Every figure is labelled yours or ours. You will never mistake our 4% rule, or our return assumption, for something your accounts told us.
Harvestable losses and realised gains by tax year are ready months before the 1099 arrives — when there is still something you can do about them.
The declarations page is read for real limits across every policy at once, and Finode asks rather than guesses when the document is unclear.
What you get
Emergency fund, retirement income, college, mortgage payoff, home purchase — each works out the target from your numbers, and labels which figures are yours and which are our assumptions.
Positions sitting at a loss that could offset your gains, with realised gains by tax year ready well before the 1099 shows up.
Bonds in the taxable account and growth in the Roth is a real, silent cost. Finode shows you how yours are arranged.
It reads the declarations page, pulls the limits, and tells you what you’re missing across every policy at once — and asks rather than guesses when the document isn’t clear.
A full projection across all your accounts including Social Security, with a confidence range instead of one optimistic line.
How much room is left in your 401(k), IRA, HSA and 529 this year — and the employer match you’re leaving behind.
Every lot checked against its basis, losses matched to realised gains, holdings assessed against the account they sit in, and policy limits compared across documents that are read and then discarded.
$0 of losses available to offset $23,420 of realised gains.
Ready in August — not discovered when the 1099 arrives in February.
What’s underneath
The same five rules hold on every screen in Finode — including this one.
A price we couldn’t get marks the total as incomplete. We never round a gap down to make things tidy.
Excluded transfers, retirement accounts, unpriced positions — named right beside the number.
Anything we assumed is labelled as ours, never blended into your figures.
Your statement is parsed for the numbers and discarded — there’s no document vault holding your files.
On every account. And deleting your account genuinely deletes it — connections revoked, uploads removed, no coming back.
Keep going
Every account, the house included, with a net worth line you can watch move.
Explore →Diligence reports, fund look-through, options and crypto done properly.
Explore →Bills, lobbying money, congressional trades and FDA dates on your tickers.
Explore →One connection, or a screenshot of your brokerage app. Everything above starts working the moment you link something.