“For the first time, my partner and I can see how all of our choices fit together—mortgage, daycare, vacations, and investing. AI&RWA turned money talks from stressful to strategic.”
AI-Powered Personal Finance Companion
Smart financial planning made simple.
AI&RWA helps you move beyond guesswork—bringing clarity to budgets, big‑ticket purchases, investments, and the real‑world cost of the decisions you make every day.
Start planning smarter
See how it works
Designed for young professionals, families, and long‑term investors.
What AI&RWA solves
From confusion to clear, data‑driven financial decisions.
AI&RWA replaces scattered spreadsheets and mental math with focused, scenario‑based tools that help you see the real impact of every choice—from your next purchase to your long‑term investment plan.
Budget Tracker
Monitor income, expenses, and savings goals through intuitive visual breakdowns and proactive suggestions.
- Quickly categorize spending by month, category, and account.
- Spot overspending trends before they become a problem.
Purchase Evaluator
Decide whether to buy, rent, or wait—AI&RWA shows true cost per use, opportunity costs, and long‑term tradeoffs.
- Compare scenarios such as buying a car vs. rideshare or public transit.
- Align each purchase with your savings goals and investment plan.
Investment calculator
Model compound growth, DCA strategies, and NPV so you can see how today’s choices shape tomorrow’s net worth.
- Run side‑by‑side scenarios with different contribution amounts and time horizons.
- Translate projections into plain‑language summaries you can act on.
Real‑World Cost Analyzer
Understand the real impact of life events like moving, vacations, or renovations across your entire financial picture.
- Compare multiple life scenarios side by side—best case, typical, and conservative.
- Turn abstract ideas into concrete, “can we afford this?” answers.
How it works
One workspace for every major money decision.
Whether you’re planning your first big purchase, managing household cash flow, or tuning a long‑term investment strategy, AI&RWA guides you step by step.
1
Add your income, expenses, and upcoming plans.
Start with what you already know: paychecks, rent or mortgage, recurring bills, and upcoming life
events like moving, travel, or upgrades.
2
Let AI turn inputs into clear, visual scenarios.
AI&RWA builds side‑by‑side views that highlight tradeoffs, capacity for new purchases, and how much
you can realistically invest each month.
3
Compare, adjust, and lock in confident decisions.
Tweak assumptions, time frames, and risk levels until a scenario feels right—then save it as your new
plan and track progress over time.
Who it’s for
Built for every stage of your financial journey.
AI&RWA serves young professionals, growing families, and investors with one consistent, approachable interface—no matter how complex your finances become.
Young professionals planning ahead
See how today’s lifestyle choices shape tomorrow’s options—like buying a car, moving cities, or going back to school.
- Compare rent vs. buy, city A vs. city B, or stay vs. switch careers.
- Design a realistic savings and investment plan around your goals.
Families managing monthly expenses
Keep an eye on household cash flow, recurring commitments, and upcoming milestones like childcare, school, and home projects.
- Map out competing priorities—mortgage, education, travel, retirement—in one place.
- Spot opportunities to re‑allocate spending toward what matters most.
Investors growing long‑term wealth
Translate market moves into long‑term projections, with tools for DCA, compounding, and risk‑adjusted scenarios.
- Align portfolio decisions with real‑world obligations and cash‑flow needs.
- Stress‑test plans against conservative, typical, and optimistic assumptions.
What people say
Clarity that pays for itself.
AI&RWA customers use the app to unlock hidden savings, make more confident big‑ticket decisions, and stay on track with long‑term plans.
“I used to track everything in different spreadsheets. Now I just open AI&RWA, compare a few scenarios, and I know exactly what I can afford to do this year and still hit my long‑term targets.”
“The purchase evaluator alone has saved me from multiple ‘great deals’ that would have quietly eaten my budget. It’s my default check before any big decision.”
Get started
Start making smarter financial decisions today.
Download AI&RWA to explore sample scenarios, build your first plan in minutes, and track your progress with beautiful charts that keep you focused on what matters most.
No spreadsheets, no complicated setup. Just connect your situation to clear, visual decisions.
FAQ
Answers to common questions.
Do I need financial expertise to use AI&RWA?
No. AI&RWA is built for everyday decision‑makers. Complex concepts like NPV, compounding, and opportunity cost are translated into clear language and visuals.
Can AI&RWA replace my spreadsheets?
In most cases, yes. You can still export data when needed, but AI&RWA is designed to centralize budgets, purchases, and investment decisions in one clean interface.
Is my financial data secure?
AI&RWA uses industry‑standard encryption in transit and at rest. You stay in control of what you track, and how your data is backed up or shared.
Can I plan with a partner or advisor?
Yes. Save and share scenarios, export summaries, and walk through decisions together—so everyone sees the same clear picture.