What Mali Knows
Last updated 2026-05-13
Mali is a voice-first AI for your money. Ask in plain English — by voice or text — and she pulls the answer from your real account data. Below is the full catalog of what she can answer, from quick lookups to multi-year retirement modeling.
Available today
Account & transaction Q&A Live
Connect any US, Canadian, or EU bank (or brokerage, post-investments launch) and ask Mali anything about your balances, spending, or transactions.
how much did I spend on dining last month?
Interactive charts Live
Mali generates live, interactive charts on demand using generate_chart. Saved to your Files for later reference.
show me a bar chart of grocery spending over the last 6 months
Subscription detection Live
Mali automatically detects recurring charges across your accounts and surfaces them on demand or in the Accounts hero card.
what am I subscribed to?
Voice mode Live
Talk to Mali out loud — no typing. Same context, same data, same answers.
(tap the mic and just speak)
Net worth Live
Mali tracks your full net worth across every connected account and tells you how it's changed since the last snapshot. Asset, liability, and trend breakdown on demand.
what's my net worth, and how has it changed in the last 30 days?
Spending anomaly detection Live
Daily background scan flags any category where you've drifted ≥25% above your 90-day weekly baseline. You get a push notification with the top categories; ask Mali for more context anytime.
am I overspending this month?
Federal + state tax estimate Live
Mali runs a deterministic 2026-bracket tax calculation server-side — wages, filing status, Roth conversions, capital gains, state code — and returns exact dollar figures with marginal + effective rates. CA, NY, TX, FL, WA covered today; more states on demand.
what would I owe if my AGI is $120k single in California?
Roth conversion (one-year) Live
Either pass a dollar amount ("what would converting $40k cost me?") or a target bracket ("fill the 22% bracket"). Mali calls the tax math twice — with and without the conversion — and returns the exact incremental tax cost. For users 63+, IRMAA tier impact is included too.
how much can I convert this year without going past the 22% bracket?
Cashflow projection Live
Year-by-year retirement income + expense + portfolio balance through age 95. Mali runs the deterministic simulation server-side and tells you the run-out age or the surplus you die with. Foundation for retirement readiness, Monte Carlo, and scenario compare.
if I retire at 65 and spend $80k, when do I run out?
Retirement readiness Live
Quick ON TRACK / TIGHT / BEHIND verdict, plus the single highest-leverage fix Mali found (delay retirement, cut spend, save more). Runs the cashflow projector against three counter-factuals and picks the winner.
can I retire at 62?
Monte Carlo retirement Live
Stochastic stress test: 1,000 cashflow simulations sampling annual returns from a normal distribution (default mean 7%, stdev 15%). Returns success rate, 10th/50th/90th percentile ending balances, worst drawdown observed, and a percentile fan suitable for charting.
what are my odds of running out of money?
Savings rate check Live
Mali reads your actual bank transactions over the last 90 days (configurable), filters out transfers between your own accounts, and computes the exact savings rate — income minus spend divided by income. Reports the gap to the 15% baseline.
am I saving enough?
Debt payoff (snowball vs avalanche) Live
Mali pulls your real credit + loan accounts (with APRs from your linked accounts), simulates both snowball (smallest balance first) and avalanche (highest APR first) month-by-month with your extra-payment amount, and returns months-to-debt-free + total interest paid for each. Tells you which wins and by how much.
snowball vs avalanche — which saves me more?
Mortgage payoff what-if Live
Deterministic amortization against your current mortgage. Three scenarios: extra-monthly principal, lump-sum payment now, or refinance at a new rate (with break-even month against closing cost). Returns months saved + total interest saved vs baseline.
what if I pay $500 extra each month on my mortgage?
IRMAA check Live
For users 63+: check whether a given MAGI triggers Medicare Part B + D surcharges. Mali returns the monthly surcharge, tier index, and how much headroom you have before bumping the next tier. Pairs with Roth conversion planning.
would this income bump me into an IRMAA tier?
Social Security claiming optimizer Live
Compare claiming Social Security at 62 / 65 / FRA / 70. Mali applies SSA actuarial factors, COLA-inflates each year's benefit, discounts to present value at your assumed rate, and picks the winner. Reports break-even age for "delay vs claim now."
when should I claim Social Security?
Tax-efficient withdrawal order Live
Year-by-year retirement income plan across taxable, traditional, and Roth buckets. Handles required minimum distributions at age 73, fills the 12-22% bracket band efficiently, and compares against a naive "drain taxable first" approach. Reports lifetime tax saved.
which account should I tap first?
Plan completeness audit Live
Mali scans your full state — accounts, uploaded files, profile fields — and returns a prioritized list of gaps. Emergency fund too low? No Roth account? Missing will or healthcare directive? She'll tell you what to fix first, with concrete next steps.
what am I missing in my financial plan?
Annuity quote Live
Mali estimates the lifetime monthly income a single-premium immediate annuity (SPIA) would pay you — single-life or joint-life with spouse — at your age and premium. Always recommend a real quote before committing, since insurer rates vary.
what income would $200k get me at age 65?
Healthcare cost forecast Live
Year-by-year retirement healthcare costs through age 95: pre-Medicare (employer / ACA / uninsured) + Medicare Part B/D + Medigap or Advantage + dental/vision. Mali applies 5.5% annual health inflation and reports total lifetime cost.
what will healthcare cost me from 65 to 90?
Long-term care cost forecast Live
State-median LTC costs (home health, assisted living, nursing home semi or private) inflated to your projected care-start age. Mali shows three scenarios — none, 2-year average, 5-year severe — and reports the portfolio impact for each.
what if I need 3 years of nursing home care?
Rental property analysis Live
Cap rate, cash-on-cash return, gross yield, equity build-up, and a hold-vs-sell verdict that compares your net annual return against selling and reinvesting (after capital-gains tax + closing costs). Works whether you own a rental today or are sizing one up.
should I keep my rental?
Roth conversion ladder (multi-year) Live
Mali plans your Roth conversions year-by-year from now until RMD age. Each year fills your chosen target bracket (12% / 22% / 24%) without bumping you to the next IRMAA tier (for users 63+). Reports total converted + lifetime tax saved vs a no-conversion baseline.
plan a Roth conversion strategy for the next 7 years
Scenario compare Live
Pass Mali two full cashflow scenarios — retire at 62 vs 65, spend $80k vs $60k, whatever you want — and she projects both, diffs them, and picks a winner with a short reasoning. Great for "what if" comparisons.
retire at 62 vs 65 — which is better?
Estate snapshot Live
"If you died today" projection. Mali partitions your assets into probate vs non-probate, estimates state probate cost, applies federal estate-tax exemption ($13.99M for 2026), notes basis step-up on taxable brokerage, and flags any missing will / healthcare directive / POA / retirement-account beneficiary.
what happens to my estate if I die tomorrow?
Full retirement readiness (Pro) Live
Boldin's flagship "full picture" — Mali runs your deterministic readiness scorecard plus three Monte Carlo simulations (baseline + delay-retire-2y + spend-10%-less) and synthesizes the highest-leverage recommendation. ~3-5 seconds end-to-end.
give me the full retirement picture
Proactive planning nudges Live
Calendar-aware weekly cron + on-demand tool. Mali knows when tax day is approaching, when Q-estimates are due, when open enrollment opens, and when the year-end window for Roth conversions / RMDs / loss harvesting is closing. Ask anytime, or get pinged via push.
any financial deadlines I should know about?
Plan drift watcher Live
Monthly cron snapshots your projected retirement trajectory. If the new projection has moved ≥5% on ending balance or ≥1 year on run-out age, Mali pings you with reasoning ("portfolio dropped $X, annual spend modeled went up $Y"). Ask anytime via chat for the same comparison.
did anything change in my plan this month?
In development
These calculators are being built as on-demand AI tool calls. Each runs deterministic math against your real account data — no LLM guessing.