Prosperics: AI Finance Tool

Prosperics is one picture of your money and a target to move toward. Answer a few questions, see a graded dashboard, and set a goal we check in on monthly. No bank login.

YOUR MONEY, GRADED
See your whole financial picture on one screen: net worth, cash flow, and a Financial Health Score graded A+ to F across savings, debt, housing, emergency fund, and retirement. Spot your biggest win and biggest risk, test what-if sliders, and follow an action queue of the exact moves that raise your score. Not a credit score — a picture of your own numbers.

A TARGET TO MOVE
Turn any answer into a goal with milestones, streaks, and projections. We check in monthly and nudge you when your grade moves. Rate alerts re-run your saved decisions when interest rates change — you're notified if the verdict shifts.

EVERY ANSWER FILLS THE SAME PICTURE
One clear verdict per money question, and every result lands on your dashboard:
· Student loans — estimate your RAP payment and compare income-driven plans (IBR, PAYE); see the bracket math behind the number
· Paycheck & income — real take-home after federal, state & FICA taxes, all 50 states
· Self-employment & 1099 — quarterly taxes, QBI deduction, S-Corp vs W-2
· Mortgage & housing — buy vs rent, PMI, refinance break-even, amortization
· Retirement — 401(k), IRA, Roth, Social Security, Monte Carlo simulation
· FIRE calculator and Coast FIRE: your number, the years to financial independence, and whether you can coast.
· Debt payoff — snowball, avalanche, consolidation
· US benefits — SNAP, EITC, Child Tax Credit, ACA eligibility
· Canada — FHSA, RRSP, TFSA and self-employment (T2125) planning
· Plus stock, car buy-vs-lease, budget, loan, and rental-property tools

ASK PROSPERICS AI (PRO)
Ask in plain English: "Can I afford this house?" "What's my RAP payment?" The AI assistant knows your goals and history, runs the math, and explains the result with charts and PDF reports. Educational — not a licensed financial advisor.

BUILT FOR TRUST
· No bank linking — you own your numbers
· Calculations run on your device; 256-bit encrypted sync — your data is never sold
· United States (all 50 states + DC) and Canada
· English · Español · Français (Canada)
· Educational estimates only — not financial, legal, tax, or investment advice. For student loans, your servicer / the Dept. of Education determines your official payment.

PRO SUBSCRIPTION
Start free. Go Pro for unlimited AI assistant, goals, saves, rate alerts, live rates, PDF reports, and an ad-free experience. Monthly or annual auto-renewing subscription. Free trial included. Cancel anytime in Settings → Apple Account → Subscriptions.

Terms: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Privacy: https://prosperics.com/privacy