← Back to Mali
Everything Mali does
A personal-finance AI you actually have a conversation with — backed by a library of tested financial tools, running on your real money.
🎙️ Talk to it.
Tap the mic and ask out loud — "Can we afford a weekend trip next month?" "Should I do a Roth conversion this year?" Mali answers by voice, in plain language, while you're driving or cooking. No other personal-finance app lets you have a real spoken conversation about your money. Or type — same brain, same answers.
The financial tools behind the conversation
When you ask a money question, Mali calls a tested, deterministic calculator — not a guess. Dozens of them, the same caliber the $144/year retirement planners charge for. Browse them all on the tools hub.
Retirement
- Am I on track to retire?
- Monte Carlo "will my money last?" odds
- How long will my money last?
- Most I can safely spend each year
- Life-expectancy & longevity planning (incl. couples)
Taxes
- Federal + 50-state income tax estimate
- Tax-smart withdrawal order (RMDs included)
- Medicare IRMAA surcharge check
- Year-end & deadline planning nudges
Roth conversions
- Should I convert this year, and how much?
- Multi-year conversion ladder
- Fill a tax bracket without tripping IRMAA
Social Security
- Best age to claim (62–70)
- Break-even analysis & lifetime value
- Spousal & survivor strategy
Spending & income
- Your savings rate, from real transactions
- Spending-spike alerts
- Net-worth trend over time
- Subscription tracking + pause/resume
Health & insurance
- Lifetime healthcare cost forecast
- Long-term-care cost modeling
- Annuity income quotes
Debt & home
- Debt payoff — snowball vs avalanche
- Mortgage payoff what-ifs
- Rental property hold-vs-sell analysis
Goals & estate
- Set goals; Mali tracks feasibility & funding
- Financial health score
- Estate snapshot & plan-gap audit
Built for couples
Money is a two-person problem. Mali is built for households — shared context, joint goals, and partner-aware answers — not just one spouse typing in the other's numbers. Invite your partner on a paid plan and plan together.
Runs on your real money
Link your bank in about 30 seconds (via Plaid or Teller) and Mali answers from your actual balances, income, and spending — no 250-field setup wizard. Snap a receipt and it reads every line item, not just the total. Drop in a PDF statement and it parses to structured data.
Bring your own AI
Already live in Claude, ChatGPT, or Cursor? Connect Mali as a tool via MCP and ask your money questions from there too. See the MCP guide →
The math is real — the AI just explains it. Every number Mali gives you comes from a deterministic, unit-tested engine. The AI translates it into plain English and a plan you can act on; it doesn't make the numbers up. No products to sell, no commissions, no data sale.
Try Mali free