Most finance apps start with your transactions. Promi starts with you.
We model what your finances should look like before we ever see a transaction. Then your real money shows where the model is right, and where you're not.
No sign-up for the demo. It takes about two minutes.
The architecture a financial planner uses. Automated.
Promi builds a model of your household from your age, income, ZIP code, and family: Census and BLS spending surveys, federal tax brackets, ZIP-level cost of living. Your real bank activity then verifies the model, continuously.
A CFP runs this same loop in a quarterly check-in and charges about $3,000 a year for it. Promi runs it every day for $140.
Peer Benchmark
30sDual income1 childHomeownerYour net worth is 2.2× your peer group.
Figures from a realistic sample household. Promi places you against your cohort on day one, before a single transaction syncs.
This month's budget, already filled in
guide values from local cost of living + cohort spending
| Category | Guide | Actual |
|---|---|---|
| Housing | $3,120 | $2,987 |
| Groceries | $1,184 | $1,246 |
| Transportation | $872 | $799 |
The same math a planner runs.
Promi's retirement engine is the depth you'd pay a fee-based planner for. This is the actual forecast card, running live — toggle the models.
- 1,000 Monte Carlo simulations per scenario, shown as p10–p90 confidence bands
- Five FIRE variants: Lean, Regular, Fat, Coast, and Barista
- Social Security modeled on the full SSA PIA formula, with early and delayed claiming
- Withdrawals sequenced across pre-tax, Roth, taxable, and HSA buckets (advanced tax analysis in active development)
- What-if scenarios, from bear markets to a spouse retiring five years early
What you own, and how it's doing.
Promi reads the positions inside your 401(k)s, IRAs, and brokerage accounts.
- Ticker, shares, market value, cost basis, and gain for every position
- Allocation across stocks, bonds, cash, and crypto, with sector detail
- Your portfolio's return against the S&P 500 over the past year
- Contribution progress toward 401(k), IRA, and HSA limits
Stop stacking finance apps.
Tracking, budgeting, investments, peer comparison, and retirement modeling in one app. The tools you'd otherwise run split this in half: Monarch tracks your money for $99/yr and sells planning as a separate $199/yr tier. ProjectionLab ($129/yr) models your future but never sees a transaction.
Promi is everything in one tier for $139.99 a year — less than Monarch's planning tier alone, with no hand-ferrying between tools: real transactions feed the projections, real holdings feed the Monte Carlo, and your budget knows your cohort. The daily driver holds up too: merchant-level categorization that sticks, so you're not re-tagging the same purchases every month.
The rest of the toolkit.
Each of these runs at the same depth as the sections above. The features page walks every one.
- Net worth history
- Cash flow & Sankey diagrams
- Recurring payment calendar
- Goals & debt payoff
- Couples & households
- Retirement scenarios
- Social Security & pension
- Tax-smart drawdown
- Transaction search & export
- Local area data by ZIP
- Finance guides on every page
- AI insights, with a humor toggle
- Account & institution management
- 8 visual themes, full dark mode
See it for yourself.
The demo is the full app on a realistic household: peer comparison, budgets, FIRE projections, investments. No sign-up.
Read-only bank connections through Plaid, across 12,000+ institutions. We never move your money.