Promi Finance

Promi is a personal finance app for people who take retirement and FIRE planning seriously. It pulls live data from 12,000+ banks and brokerages through Plaid and feeds it into the kind of planning tools a fee-only financial planner uses: Monte Carlo retirement simulations, tax-aware drawdown analysis, scenario comparison, FIRE projections across five variants. Most retirement tools are spreadsheets you maintain by hand. Promi does the work and keeps everything updated as your accounts change. PLAN YOUR FIRE • FIRE auto-tracking on the dashboard, updated daily as accounts sync • Monte Carlo simulations with 1,000 runs per scenario • Historical backtests against real recession periods (1929, 1937, 1966, 2000, 2008) • Five FIRE variants: Lean, Coast, Barista, Fat, and Traditional • Side-by-side scenario comparison • Configurable Safe Withdrawal Rate PLAN YOUR RETIREMENT • Multi-source income projection covering Social Security, pension, and part-time work • Tax-aware drawdown modeling across pre-tax, Roth, taxable, HSA, and tax-free accounts • Roth conversion ladder analysis with bracket-room calculation • Required Minimum Distribution modeling per SECURE Act 2.0 • 72(t) and SEPP early-withdrawal computation • Life event modeling for college costs, home purchases, healthcare TRACK YOUR MONEY • Real-time net worth dashboard with multi-account aggregation • Automatic transaction categorization • Cash flow forecasting and recurring bill detection • Income vs. spending trends with visual breakdowns • Live market data with a daily AI brief covering S&P, NASDAQ, DOW, VIX, and Gold BUDGET FROM YOUR LIFE STAGE • Pre-filled spending estimates from your age, income, ZIP, and household • A GUIDE column that shows what households like yours typically spend, sourced from Census and BLS data • Side-by-side comparisons against local and national peer benchmarks • Custom budgets with month-over-month tracking GROW YOUR INVESTMENTS • Per-holding cost basis tracking across every brokerage account • Asset allocation breakdown with sector analysis • Portfolio performance compared to the S&P 500 • Dividend tracking and IRS contribution-limit progress COMPARE WITH PEERS • See how your savings rate, net worth, and spending compare to households like yours • National benchmarks by age, income, education, and household size • Local Census comparison against the median for your ZIP • Powered by Federal Reserve Survey of Consumer Finances data INSTITUTION-INDEPENDENT We make money from your subscription, not from steering you toward a bank's products or an advisor's AUM fees. No upsells, no recommendations bought by partners, no affiliate kickbacks. Promi works for you. LEARN AS YOU GO Plain-language explainers live on every page. 70+ glossary entries cover FIRE, 401(k)s, Roth IRAs, tax planning, withdrawal sequencing, and more. Financial literacy is part of the product, not a separate tab. SECURITY Bank-level 256-bit encryption. Plaid provides read-only access, so Promi can see balances and transactions but can never move money. Your data is never sold. Sign in with Apple is supported. PRICING $13.99 a month or $139.99 a year. 7-day free trial, no payment method needed. No feature gates, no upsells. Built for couples planning together, solo earners working through scenarios on their own, FIRE-curious savers running the math on Coast or Barista FIRE, and late-stage planners optimizing Roth conversions. If you currently use ProjectionLab for projections and Monarch for budgets, you are paying for two tools that do not talk to each other. Promi gives you both, integrated, for one subscription. Questions: [email protected] or promifinance.com/help. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://promifinance.com/privacy Promi is a financial tracking and planning tool. It does not provide investment advice, tax advice, or personalized financial recommendations.