Your Financial Independence Operating System
AI-powered portfolio tracking and Finacial Independence Planning
Net Worth
Snapshot of balances and cash flow
Asset mix
Monthly income
$12,500
Essential $5,200 · Discretionary $2,700
Monthly investable
$3,600
Savings rate 29%
Allocation idea
Deploy $2,160 toward growth theses and keep $1,440 in reserves.
Spend check
Trimming discretionary spend by 10% advances FI by ~6 months without lifestyle drag.
FI Journey
Measure progress and momentum toward each milestone.
Progress
100%
Goal reached 🎉
Current Capital
$650,000
Target $650,000
Monthly Investing
$3,600
Scenario contribution
Projected FI Income
$2,167/mo
~0.0 year horizon
Covers a minimalist lifestyle with room for extended sabbaticals every few years.
Launch a living FI roadmap, not a static snapshot
Every profile showcases a different path to independence. See how the dashboard adapts your cashflow, milestones, and portfolio mix the moment you flip between Sarah, Marcus, and Priya.
Watch Copilot coach each persona in real time
The dialogue changes with every profile so you can see how the FI Copilot catches risks, balances cash, and keeps their goals on pace.
Conversations stay contextual to Sarah’s portfolio, goals, and cashflow so every persona gets a tailored co-pilot.
👩💻 Sarah’s FI Coach Chat
A quick peek at how Sarah leans on the FI Copilot to stay on their unique path to independence.
Drill into every asset with intelligent filters
Toggle between thesis, type, or location to see how a lean engineer versus an entrepreneur allocates capital. The explorer reframes cost basis, unrealized gains, and realized wins for each path.
Asset Performance Explorer
Filter by thesis or asset type to review market value, cost basis, and realized / unrealized performance.
Filtered Market Value
$1,259,000
10 of 10 assets
Unrealized Gain / Loss
+44.79% of cost basis
Realized Gains (All Time)
Aggregated from executed sell / convert transactions.
| Asset | Type | Avg Cost | Location | Value | Gain / Loss | Thesis | Portfolio % |
|---|---|---|---|---|---|---|---|
Ethereum Staking RewardsETH · crypto | crypto | $1,800 | Ledger Cold Wallet | $60,000 | Unrealized: $24,000 (+66.70%) Realized: $4,000 | Smart Contracts Staking Income | 4.80% |
Roth IRA Growth IndexRIRA · retirement | retirement | — | Fidelity Roth IRA | $70,000 | Unrealized: — Realized: $0 | Tax-Free Growth Long-term Growth | 5.60% |
High-Yield SavingsUSD · cash | cash | — | Ally High Yield | $80,000 | Unrealized: — Realized: $0 | Liquidity Emergency Fund | 6.40% |
Municipal Bond LadderMUNI · cash | cash | — | Fidelity Brokerage | $89,000 | Unrealized: — Realized: $0 | Fixed Income Tax Efficiency | 7.10% |
Employee Stock PurchaseCOMP · equity | equity | $250 | Charles Schwab ESPP | $95,000 | Unrealized: $57,450 (+153.20%) Realized: $6,750 | Employer Equity Concentrated Risk | 7.60% |
Bitcoin Core PositionBTC · crypto | crypto | $24,000 | Coinbase Prime | $110,000 | Unrealized: $50,000 (+83.30%) Realized: $9,500 | Bitcoin Conviction Long-term Growth | 8.70% |
Series B Startup EquityNEXTGEN · private equity | private equity | — | Direct Investment | $120,000 | Unrealized: — Realized: $0 | Private Tech Long-term Moonshot | 9.50% |
Vanguard Total International ETFVXUS · equity | equity | $62 | Schwab Brokerage | $145,000 | Unrealized: $27,000 (+22.90%) Realized: $2,100 | International Diversification Passive Core | 11.50% |
401k Target 2045TR2045 · retirement | retirement | — | Vanguard Workplace 401k | $210,000 | Unrealized: — Realized: $0 | Tax-Advantaged Set-and-Forget | 16.70% |
Vanguard Total Market ETFVTI · equity | equity | $180 | Fidelity Taxable | $280,000 | Unrealized: $55,000 (+24.60%) Realized: $3,200 | Broad Market Tax Efficient Core | 22.30% |
Streaming refresh that stays in sync with life
Your holdings don’t sit idle. The live tracker showcases how Copilot queues every account, flags status, and turns portfolio drift into clear action—no manual refreshing required.
Sarah's streaming portfolio refresh
Sarah's accounts refresh in sequence once the tracker enters view.
Forecast every milestone with confidence
Compare trajectories for builders who are coasting, divesting, or racing toward Fat FI. Copilot keeps projections grounded in net-worth progress, inflation, and real savings behavior.
👩💻 Sarah's FI Momentum
Software engineer hitting FI by 40
Membership that pays for itself
One plan with AI insights, live price tracking, and guided FI planning.
Premium
Everything you need to track your path to FI
- AI Transaction Parser
Chat naturally to add transactions
- Smart FI Timeline Predictions
AI-powered timeline calculations
- Real-time Portfolio Tracking
Live prices for stocks, crypto, & alternatives
- Investment Thesis Tracking
Document why you bought, track conviction
- All Asset Types Supported
Crypto, stocks, PE, RSUs, real estate
- Bank-Level Security
Encrypted & isolated data
No free trial. Cancel anytime.
Financial Clarity Starts Here
Builders serious about financial independence deserve software that understands their entire net worth—not just brokerage accounts. Let’s take the guesswork out of FI planning.