Prosperics: AI Finance Tool

Find your student loan payment, paycheck take-home, SNAP eligibility, or retirement number in seconds — then ask AI what to do next. No bank linking required. Calculations run on your device. · 256-bit encrypted sync — your data is never sold.

Most money apps track the past. Prosperics combines an AI advisor with 19 calculators that know your plan, grade your finances, and give you a clear verdict on every money decision.

PROSPERICS AI ADVISOR
Ask anything in plain English: "Can I afford this house?" "How do I retire by 60?" "What if I put 20% down?" The AI knows your goals and calculator history, runs the math, explains results in one tap, answers with charts, and creates PDF reports. Educational — not financial advice.

FINANCIAL HEALTH SCORE
Your money. One screen. Graded A+ to F across savings, debt, housing, emergency fund, and retirement. See net worth, biggest win, biggest risk, what-if sliders, monthly reviews, and an action queue of the exact moves that raise your score.

19 CALCULATORS — UNITED STATES
· Paycheck & Income — real take-home after federal, state & FICA taxes, all 50 states
· Student Loan (RAP/SAVE/IBR/PAYE) — compare every income-driven repayment plan
· US Benefits — SNAP, EITC, Child Tax Credit, ACA eligibility checker
· Self-Employment / 1099 — quarterly taxes, QBI deduction, S-Corp, W-2 vs 1099
· Mortgage — buy vs rent, PMI, refinance break-even, amortization, all 50 states
· OBBBA Tax — 2025 Big Beautiful Bill Act impact on your household
· Retirement — 401(k), IRA, Roth IRA, Social Security, Monte Carlo simulation
· Debt — Snowball, Avalanche, and consolidation payoff comparison
· Stock — 3-scenario DCF valuation, Graham Number, live SEC EDGAR data
· Car — buy vs finance vs lease, EV vs gas, total cost of ownership
· Budget, Loans, Rental Property, Compound Interest, Refinance Analyzer

GOALS, ALERTS & WEEKLY CHECK-INS
Track any calculator result as a goal with milestones, streaks, and projections. Rate alerts re-run your saved decisions when interest rates change — you get notified if the verdict shifted. Weekly plan digest and 1-tap check-ins.

MARKETS
Live CPI inflation, US Treasury yields, 10+ years of company earnings, and super-investor 13F filings — sourced from BLS, Federal Reserve, SEC EDGAR, and Freddie Mac.

BUILT FOR TRUST
· 256-bit encrypted sync — your data is never sold
· No bank linking — you own your numbers
· Calculations run on your device
· Built for all 50 US states + DC
· English · Español (Estados Unidos)
· Educational only — not financial advice

PRO SUBSCRIPTION
Start free. Go Pro for unlimited AI advisor, goals, saves, rate alerts, live rates, PDF reports, and an ad-free experience. Monthly or annual via Google Play. Cancel anytime in Play Store > Subscriptions.

Prosperics provides calculators and educational tools only. All figures are estimates. Not financial, legal, tax, or investment advice.
Terms: https://prosperics.com/terms | Privacy: https://prosperics.com/privacy | contact@prosperics.com

Recent changes:
• FIRE calculator: your number, years to financial independence, and savings rate. Withdrawal rate stays on screen.
• Coast FIRE: see if you can stop extra saving. Count Social Security (US) or CPP and OAS (Canada), or none of it.
• Import spending, savings, age, and invested assets from your Financial Dashboard, and save one FIRE plan there.
• Bond Tracker shows credit spreads again.
• Educational estimate, not advice.