Advisor-grade clarity — for the rest of us.
Ask questions. Get a plan. Adjust as life changes.
FinlyLife pulls your accounts, debts, holdings, and goals into one household snapshot, runs the math, then gives you next steps—showing what it relied on and what extra info could make it even more accurate.
A personal financial planning assistant that starts with your Quicken snapshot.
- Built on your numbers. Calculations use only your data.
- Privacy you control. AI is opt-in and minimized by default.
- No mystery math. Every answer shows the numbers and assumptions behind it.
No bank passwords required · Works with Quicken CSV.
- 1 Import your Quicken CSV or add your data
- 2 Ask a question such as "I want to retire at 62. Will my retirement savings allow that?"
- 3 FinlyLife's financial engine guides you on next steps
Explore the demo household to see how it works. Create a free account when you’re ready to use your own data. See how privacy works .
Built for Quicken users
Import your Quicken snapshot — then chat with real numbers (not guesses)
Export a Quicken Net Worth report to CSV and upload it to refresh balances in minutes. Then ask questions and get next steps.
Best on a laptop or desktop monitor
FinlyLife is mobile-friendly, but the dashboard and graphs are clearest on a larger screen where side-by-side views have room. A lightweight iOS companion app is coming for quick check-ins and simple updates from anywhere.
Privacy & Security
Privacy is built in. AI is opt-in, and FinlyLife sends a minimized, relevant snapshot when AI is used—so answers stay grounded without oversharing.
See privacy & security details
Account protections
- Secure sign-in sessions for the web app.
- Changes are protected with anti-forgery safeguards (CSRF protection).
- The API uses bearer access tokens (not browser cookies).
Token safety
- Access tokens are short-lived.
- Refresh tokens are stored as hashed secrets (not plaintext).
- Refresh tokens are rotated (one-time use) and reuse triggers revocation.
- API logout revokes refresh-token families and invalidates access tokens.
AI privacy controls
- AI requires a one-time confirmation before anything is sent to the AI provider.
- Messages are sanitized to redact emails, phone numbers, and account-like long digit sequences.
- You can hide account/debt names (the planner uses generic labels instead).
- AI uses a minimized “Data used” snapshot so answers stay grounded.
Data storage and access control
- Your financial data is stored under your account in the application.
- Access is controlled by authentication and household-level authorization.
- You control what’s shared when AI is enabled.
See an example of what’s sent to AI
FinlyLife sends only what’s relevant to your question (and only after consent). Example items include:
- Top-line totals like net worth, cash, and debts
- Portfolio allocation summaries (when asked about allocation or risk)
- Goal assumptions you’ve entered (when asked about retirement/college)
- “Data used” and optional details that would increase confidence
Quick questions (demo)
Live example (demo household)
Question: “Can I retire in 2032 without sacrificing my lifestyle?”
You’re in a strong position based on your current balances and debts. If optional details would increase confidence, FinlyLife will tell you—and show exactly what to add. Here are the top three next steps for the next 90 days.
Net worth
$1,707,500
Cash & savings
$73,000
Revolving debt
$4,500
Missing inputs: None
Data used
This is the same “Data used” block FinlyLife shows before you send questions to the planner.
- Net worth: $1,707,500
- Cash & savings: $73,000
- Revolving debt: $4,500
- Missing inputs: None
Top next steps (90 days)
- Build cash buffer to $90k in the high-yield savings account
- Increase Roth IRA auto-transfer to $700/mo
- Refresh wills, POA, and guardianship choices
Sample portfolio allocation
Target allocation
Actual allocation
Want your own allocation view? Create free account.
Best on a laptop or desktop monitor
FinlyLife is mobile-friendly, but the dashboard and graphs are clearest on a larger screen where side-by-side views have room. A lightweight iOS companion app is coming for quick check-ins and simple updates from anywhere.
Privacy & Security
Privacy is built in. AI is opt-in, and FinlyLife sends a minimized, relevant snapshot when AI is used—so answers stay grounded without oversharing.
See privacy & security details
Account protections
- Secure sign-in sessions for the web app.
- Changes are protected with anti-forgery safeguards (CSRF protection).
- The API uses bearer access tokens (not browser cookies).
Token safety
- Access tokens are short-lived.
- Refresh tokens are stored as hashed secrets (not plaintext).
- Refresh tokens are rotated (one-time use) and reuse triggers revocation.
- API logout revokes refresh-token families and invalidates access tokens.
AI privacy controls
- AI requires a one-time confirmation before anything is sent to the AI provider.
- Messages are sanitized to redact emails, phone numbers, and account-like long digit sequences.
- You can hide account/debt names (the planner uses generic labels instead).
- AI uses a minimized “Data used” snapshot so answers stay grounded.
Data storage and access control
- Your financial data is stored under your account in the application.
- Access is controlled by authentication and household-level authorization.
- You control what’s shared when AI is enabled.
See an example of what’s sent to AI
FinlyLife sends only what’s relevant to your question (and only after consent). Example items include:
- Top-line totals like net worth, cash, and debts
- Portfolio allocation summaries (when asked about allocation or risk)
- Goal assumptions you’ve entered (when asked about retirement/college)
- “Data used” and optional details that would increase confidence
Why not just use ChatGPT?
Because generic chat can’t see — or verify — your financial reality.
Chat is useful for general ideas. But financial decisions require your numbers and guardrails against made-up math. FinlyLife is built around all the data you choose to enter and then shows you how it's used, so you can verify every recommendation.
Grounded in your data
FinlyLife answers from a structured household snapshot of your accounts, debts, goals, and allocations—not just whatever you remembered to type.
Shows its work
Every answer includes “Data used,” assumptions, and optional details that would increase confidence—so you can verify the result and refine it.
Guardrails against hallucinations
If important details aren’t available yet, FinlyLife calls that out and asks for the optional details that would increase confidence—it doesn’t invent numbers to sound confident.
Consistent, traceable snapshots
Planning stays tied to the household snapshot being used (for example, your latest import), keeping answers consistent across follow-ups.
FinlyLife provides educational financial planning guidance. It is not a registered investment advisor and does not provide investment, tax, or legal advice.
From “Where do I start?” to a plan you can act on.
Step 1
Build your baseline
Add accounts and debts manually, or import a Quicken net worth CSV to refresh balances fast. Holdings stay under your control.
Step 2
Ask a real question
Retirement timing. Debt priorities. Portfolio risk. College planning. FinlyLife pulls the relevant parts of your household snapshot—and acts on your information.
Step 3
Get clear next steps
You’ll see the answer, confidence level, “Data used,” and what inputs would improve accuracy—plus practical actions for the next 3-6 months.
What FinlyLife helps you do
Retirement readiness
See if you’re on track—and what to change if you’re not.
Portfolio alignment (not stock-picking)
Compare your current allocation to a target and understand what’s driving the gaps.
Household clarity
A clean view of assets, liabilities, and cash reserves—so you understand your baseline.
Debt priorities
Know what to tackle first (based on the balances and interest rates you enter)—with tradeoffs explained in plain English.
College planning
Model education goals without losing sight of retirement and cashflow.
Next steps you can execute
Get a short, prioritized list—not a 40-page plan you’ll never read.
More quick questions (demo)
Trust comes from receipts.
FinlyLife doesn’t just answer—it tells you what it relied on. Every plan includes a “Data used” snapshot, key assumptions, and optional details that would improve accuracy so you know what’s solid and what you might want to refine.
Data used
- Total cash: $73,000
- Retirement savings: $1,110,000
- Revolving debt: $4,500
- Target allocation: 80/20
Optional details
- Monthly spending
- Social Security estimate
If something isn’t in your household snapshot yet, FinlyLife won’t pretend it is.
Quicken user? Keep FinlyLife up to date in minutes.
Import a Quicken Net Worth CSV to refresh balances fast—without overwriting your investment holdings. The import is conservative by design, so your holdings stay under your control.
Prefer manual entry? That works too. Start simple and add detail only where it matters.
FAQ
Is FinlyLife just an AI chatbot?
No. FinlyLife is a planning engine first.
It turns your accounts, debts, holdings, and goals into a structured household snapshot, runs the calculations, then uses AI to explain the results and recommend next steps.
Each answer is anchored to “Data used” (and any optional details that would increase confidence), so the guidance stays tied to your actual numbers—not generic chat or guessed assumptions.
The technology behind the magic
FinlyLife uses a two-layer system: compute first, explain second.
Behind the scenes, it turns your accounts, debts, holdings, and goals into a structured household snapshot, then runs the calculations (projections, allocation views, tradeoffs) in a consistent way—so the same inputs always produce the same results.
Only after the math is done does AI step in to explain it and recommend next steps. And every time, it’s anchored to a “Data used” snapshot so you can see exactly what the planner relied on.
If something important isn’t available yet, FinlyLife doesn’t guess. It flags the optional details that would increase confidence and labels the result as partial until you add more.
Why not just use ChatGPT?
Because planning needs your numbers, clear assumptions, and guardrails.
ChatGPT can be great for general concepts. But for personal financial decisions, it typically can’t verify your actual balances, debts, goals, or allocation—and it won’t reliably show what it assumed to fill the gaps.
FinlyLife is built for planning, not generic chat:
- Grounded in your data: Answers are based on a structured household snapshot (accounts, debts, goals, allocation), not free-text.
- Shows its work: Every response includes “Data used”, key assumptions, and any optional details that would increase confidence.
- Guardrails against made-up math: If inputs are missing, FinlyLife calls them out instead of guessing.
- Privacy-first by design: AI is opt-in, context is minimized, and you can hide account names.
So you get the convenience of chat, with the discipline of real calculations and receipts.
What data is sent to the AI model?
Only a minimized snapshot relevant to your question, and only after you consent. You can also hide account/debt names.
Do you require bank logins?
No. You can import from Quicken via CSV or enter data manually.
Does FinlyLife pick stocks or tell me what to buy?
FinlyLife focuses on allocation, risk alignment, and planning tradeoffs—not stock-picking.
Is this financial advice?
FinlyLife provides planning insights and education based on the data you provide. It’s not a substitute for professional financial, tax, or legal advice.
Get clarity in one sitting.
Try the demo to see how “Data used” works, then create a free account when you’re ready.
No bank passwords. AI is opt-in. Start simple—refine later.
Already have an account? Log in.