Predictive Cash Flow Intelligence

Your financial
future, modeled
not tracked.

The personal CFO for high-earning professionals — forecasting your runway, retirement, and risk with precision that spreadsheets can't match.

Start Free TrialSee It In Action
94%
30-day retention
18x
LTV:CAC ratio
4.9★
App store rating
2,400+
Beta users

Trusted by professionals from

GoogleStripeAndreessen HorowitzGoldman SachsSequoia CapitalMcKinsey & CompanyMeta

The Solution

The intelligence
layer missing
from finance.

[ 01 ]
Runway Forecasting

Model exactly how long your lifestyle is sustainable — at current burn, after a job change, or through a sabbatical. Not a guess. A model.

[ 02 ]
Income Volatility Engine

Accounts for bonus cycles, equity vesting, freelance variability, and commission swings — not just base salary.

[ 03 ]
Lifestyle Inflation Detection

Automatically identifies spending creep patterns before they compound into structural risk. Flags the invisible drain on your trajectory.

[ 04 ]
Equity Intelligence

Optimal ISO and NSO exercise windows, AMT impact modeling, and net proceeds projections across multiple market scenarios.

[ 05 ]
Retirement Scenarios

Dynamic retirement modeling that adjusts as income, spending, and market conditions evolve in real time — not a static calculator.

[ 06 ]
Decision Intelligence

Answer "Can I afford this house if my income drops 30%?" with confidence intervals and scenario bands — not gut feelings.

How It Works

Four layers.
One unified
model.

AI Life CFO builds a living, breathing financial model of you — not a static budget. Every input connects to every output, so every decision shows its downstream effect.

Bank-grade encryption · SOC 2 Type II
Read-only access · Zero data selling

01
Connect & Ingest

Bank accounts, brokerage, payroll, equity grants. Secure read-only access via Plaid and direct integrations. Setup takes under 4 minutes.

02
Model Building

AI constructs your personal financial model — income streams, fixed obligations, discretionary layers, asset trajectories, and dependency chains.

03
Scenario Engine

Monte Carlo simulations across thousands of futures. Each decision tested against your specific constraints and goals — not generic averages.

04
CFO Intelligence

Weekly strategic briefings. Burn alerts. Opportunity signals. Your AI CFO speaks in decisions, not charts. Actionable, not just informative.

Product Preview

Answers, not
dashboards.

  • At current burn, you have 14.2 months of runway after leaving your job.
  • Lifestyle inflation has increased 23% YoY — now outpacing income growth.
  • Exercising your ISOs in Q1 saves $84K in AMT vs. Q4 exercise.
  • You can retire at 52 if your equity event exceeds $1.8M net.
  • Your $12K/mo rental income closes the income gap by 67% if you quit today.
CFO Briefing — Nov 2025Live
Financial Runway
14.2 mo
Burn Rate vs. Income
87%
Retirement Trajectory
Age 51
Savings Rate
23%
⚠ ALERT: Dining + travel spend up 34% MoM. Projects $47K lifestyle gap at current trajectory. Recommend reviewing discretionary cap.

Traction

Early signal is
exceptional.

2,400
Beta users on waitlist
↑ 340% in 90 days
$18K
MRR — 6 months in
↑ Organic growth only
94%
30-day retention
↑ vs. 68% industry avg
4.9★
App store rating
↑ 312 reviews
"AI Life CFO is the only tool that made me feel in control of my finances at my income level. For the first time I could see exactly what my equity event means for my future."
— Sarah K., Principal Engineer, Series C startup · Beta User

Pricing

SaaS with
premium expansion.

Start free for 14 days. No credit card required. Cancel any time. Premium tiers expand ARPU through human CFO access and advanced planning tools.

Core
$29/ mo
Forecasting, runway, and scenario modeling for professionals who want clarity.
  • Financial runway modeling
  • Income volatility tracking
  • 3 scenario simulations
  • Weekly CFO briefings
  • Plaid bank sync
Most Popular
Professional
$79/ mo
Equity intelligence, tax scenarios, and retirement planning for serious wealth builders.
  • Everything in Core
  • Equity & ISO optimization
  • Unlimited scenarios
  • Tax impact modeling
  • Retirement projections
  • Decision intelligence
CFO Partner
$249/ mo
Quarterly sessions with a licensed CFP, plus everything in Professional.
  • Everything in Professional
  • Quarterly CFP sessions
  • Priority model reviews
  • Dedicated advisor access
  • Estate planning tools
Enterprise / RIA
Custom
White-label platform for wealth advisors, family offices, and RIAs.
  • White-label branding
  • Multi-client dashboard
  • Custom integrations
  • SLA + compliance support
  • Dedicated success manager

The Team

Built by operators
who lived the
problem.

AK
Aiko Kessler
CEO & Co-founder

Fmr. VP Finance at Stripe. Led FP&A through Series C to IPO. MBA Wharton. Sold first fintech startup (AcquiHire, 2019).

MR
Marcus Reid
CTO & Co-founder

Fmr. Staff Engineer at Plaid. Built financial data infrastructure serving 8,000+ institutions. MS Computer Science, MIT.

SL
Sofia Lim
Chief Product Officer

Fmr. Head of Product, Personal Capital (acquired by Empower for $825M). 11 years in personal finance UX and AI-first product design.

Advisors   Ex-Betterment CFO  ·  Former IRS Chief Counsel  ·  Managing Director, Bessemer Venture Partners

Get Started

Your financial
model is
waiting.

Join 2,400 high-earning professionals who finally have clarity on their financial future. 14-day free trial. No card required.

Start Free TrialContact Us
$3.5M
Seed Round Open
18x
LTV:CAC
$48B
Total Addressable Market
2025
Seed Round