Mali's financial tools
Run any of these yourself in the app, or just ask Mali by voice or text. Same engine, plain numbers.
Tested math, not vibes. Every tool is a deterministic, unit-tested calculator. The AI explains the result and what to do about it — it never invents the numbers. No products to sell, no commissions.
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On-track / tight / behind, plus your highest-leverage fix.
Federal + state tax cost and IRMAA impact of converting this year.
Best claiming age 62–70 with break-even and lifetime value.
Capital-needs (DIME) estimate — income, debts, education, minus what you have.
Present-values your pension vs the buyout, with the break-even return.
Give annually vs bunch (donor-advised fund) vs a QCD — and the tax savings.
Retirement
Am I on track to retire?
On-track / tight / behind, plus the single highest-leverage fix.
What are the odds my money lasts?
Monte Carlo across thousands of market paths → a success rate with confidence interval.
How much can I safely spend?
Solves for the most you can spend while keeping a target chance your money lasts.
How long should I plan for?
Actuarial planning horizon — joint last-survivor for couples.
Taxes & Roth
Should I do a Roth conversion?
Tax cost + bracket/IRMAA impact of converting this year.
Which account should I tap first?
Tax-efficient withdrawal sequencing across taxable / traditional / Roth — RMDs at 73+.
Federal + 50-state tax estimate
Income tax with long-term capital-gains treatment.
Medicare IRMAA check
Which surcharge tier you're in and how much headroom to the next.
Social Security
When should I claim Social Security?
Best claiming age 62–70 with break-even and lifetime-value analysis.
Spending, debt & home
Am I saving enough?
Your real savings rate from linked transactions.
How do I pay off my debt?
Snowball vs avalanche across your real accounts.
Should I pay off my mortgage faster?
Extra-principal, lump-sum, or refinance scenarios.
Health, estate & goals
Lifetime healthcare & long-term-care costs
Forecast premiums, out-of-pocket, and LTC through retirement.
Annuity income quote
What guaranteed income a lump sum could buy.
Estate snapshot & plan-gap audit
What's in your estate, beneficiary gaps, and where your plan is thin.
Goal feasibility & funding
Set a goal; Mali tracks whether you're on pace and what to contribute.