Financial planning, made personal

Finally understand
whether you're on track.

Real planning — the clear, considered kind — in a five-minute conversation. An honest answer to the question you've been carrying, explained in plain English and made just for you.

See where you stand Free for 14 days · no card to start
Athena
Your first session · 5 min
READINESS
78%READINESS
On track to retire at 62 — about 78% of the time.
Across 1,000 simulated futures. Anything above 80% is comfortably on track. You're close.
WHAT MOVES IT
Save an extra $480 / month→ 91%
Claim Social Security at 67, not 62+6%
What you get

A real plan — not a calculator, and not a sales call.

This isn't a quiz with a chart at the end. It's the real thing: the same engines a good advisor would run, explained the way a thoughtful person would explain them.

01

An honest answer to "am I okay?"

A clear readiness number, run across a thousand possible futures — not a single rosy projection. You'll know where you actually stand, and exactly what it would take to move it.

02

Planning that fits in a coffee break

No spreadsheets, no 40-page questionnaire. You talk; Athena listens, does the math, and hands back something you can act on. Come back and go deeper one topic at a time, whenever you have a few minutes.

03

The whole picture, not one product

Retirement, taxes, debt, protecting your family — the questions a comprehensive planner would ask, in plain language. It works for you, start to finish.

How it works

Five minutes to a real picture. Then as deep as you like.

01

Have a short conversation

A handful of questions about your age, income, and what you've saved. No forms — just a conversation, in plain English.

02

See where you stand

Athena runs the real numbers and shows you a readiness picture — and the two or three moves that would change it most.

03

Build it out, one topic at a time

Add your family, your debts, your protection — whenever you have a few minutes. Your plan gets sharper, and so does the answer.

Your plan, anytime

It remembers everything, and always knows the next move.

Between sessions, Athena holds the whole picture for you — and when you come back, it tells you the single most useful thing to do next. No starting over. No homework.

Who it's for

Made for people who think ahead.

You've done the responsible things — saved steadily, kept an eye on the future. Athena is simply someone to look at the whole picture with you, and help it all make sense.

01You're saving steadily. Most of your wealth is in your 401(k), quietly doing its work — and it deserves a real plan around it.
02You'd rather know now. Understanding the tradeoffs today beats being surprised by them at 65.
03You want the real answer. Not a guess or a viral rule of thumb — the actual math, explained clearly and kindly.
04You value good counsel. And believe the considered kind should be within reach, whatever the size of your accounts.
Pricing

One honest price. Everything included.

One price, everything included — no tiers, no upsells, nothing sold on the side. Start free for two weeks, and keep going only if it's worth it.

Monthly
$25 / month

The full plan, every engine, unlimited conversations. Cancel anytime, keep your plan.

BEST VALUE
Yearly
$199 / year

Everything in monthly, billed once a year.

Save $101 — about two months free

Starts with a 14-day free trial. No card required to see where you stand.

Start free

Find out where you stand — in the next five minutes.

No spreadsheets, no sales call, no card to start. Just an honest answer to the question you've been carrying: am I on track?

See where you stand Free for 14 days · then $25/mo