Finance Assistant

Real math. Real law. Your machine.

A personal finance copilot that applies actual tax statute to your real numbers — not estimates, not vibes. Runs locally through Claude Code; your data never leaves your machine. Open source, free forever.

7 locales · 14 bank formats + any file via LLM · Monte Carlo FIRE · 1,615 tests

→ Live demo — see a real conversation without installing

Applies real tax statute to your numbers, but it's software, not a licensed advisor — for filing decisions, confirm with a tax professional or your local authority.

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See it work — real output, not a mockup

FIRE confidence, with the actual distribution:

You:  What's my FIRE confidence level?
FA:   Running 10,000 simulations (return 7%±12%, inflation 2%±0.8%)...

      Retirement probability: 73% success at 2042 target
      ┌─────────────────────────────────┐
      │  p10   $420k  ████             │
      │  p25   $580k  ██████           │
      │  p50   $790k  ████████         │  ← median
      │  p75  $1.05M  ██████████       │
      │  p90  $1.38M  █████████████    │
      └─────────────────────────────────┘
      Current: $180k  target: $900k

      +$200/month raises success to 81%.

"Should I go freelance?" — with real SE tax + QBI, not a guess:

You:  I make $80k as a W-2 employee. What changes if I go 1099 at the same $80k?
FA:   Same $80k, two tax pictures (2024, single, federal):

      As a W-2 employee:
        Federal income tax        $9,441
        Your FICA (SS + Medicare) $6,120   (employer pays another $6,120)

      As a 1099 freelancer:
        Self-employment tax       $11,304  (you pay BOTH FICA halves — Schedule SE)
        − ½ SE tax deduction      −$5,652
        − §199A QBI deduction     −$11,950 (IRS Rev. Proc. 2024-40)
        Federal income tax        $5,569
        Total federal + SE        $16,872

      → Freelancing at the SAME number costs ~$1,300 more, because SE tax
        replaces the employer's FICA share. Break-even ≈ $82k. Want the rate?

Every figure is deterministic Python applying real statute — and it's validated against 39 official tax-authority test cases. More examples ↓

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Who it's for

People who want correct answers about their own money — not a chatbot's plausible guess and not a SaaS that wants your bank login. Especially:

• Anyone with real tax complexity — freelance/1099, multiple countries, equity, "what if I change X" questions — tired of estimates.
• Privacy-conscious people who want their financial data to stay on their own disk.
• Claude Code users who'd rather talk to their finances than fill in a dashboard.

If your country isn't covered, the scaffold generator makes adding it a ~1-evening contribution.

Why this over a general AI assistant?

Any assistant can talk about money. The difference is law-accurate, bracket-correct tax math for seven countries, computed by deterministic code — not a model guessing brackets. A general (or first-party) assistant gives you plausible estimates; this applies the actual statute (German EStG §32a, IRS Rev. Proc., HMRC PTM) to your real numbers, shows its work, and is tested against official authority cases.