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.
  

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.

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