Know yourchances.
AluminaFi reads your real accounts, plays the next forty years forward thousands of times, and tells you plainly how likely you are to get where you’re going.
Every money app shows you the past:
- what you spent
- what you owe
- what already happened
The choices that matter are still ahead of you:
- the house
- the job
- the year you stop working
So that’s where we point the light.
How it works
Start from today.
Connect your bank once. AluminaFi reads what you earn, what you spend, which bills repeat and what your debts cost. You never fill in a form.
Play it forward.
Then it plays your next forty years out thousands of times — good markets and bad ones, raises, rough patches, the lot. One beam goes in; every way it could go comes out.
Count the ways you make it.
Draw a line where you want to be. The share of ways that clear it is your chance, said the way a person would say it.
About 7 in 10
Ask it what you’re weighing up.
Type the question the way you’d say it out loud. The answer comes back as a chance, and one thing to do about it.
Can I afford a $600k house?
About 6 in 10 if you buy this fall. Wait until next spring and it’s about 8 in 10 — those months build the cushion you’d otherwise be missing.
Put $900 a month toward the down payment, starting on the 1st.
Sample answers. Yours come from your own accounts.
Turn the dials.
A sample household: 35 years old, $85k saved, and planning to spend $3,200 a month once the paychecks stop. Every line is one way the years could go. Gold lines are the ones where the money lasts past 95.
About 7 in 10
Save $1,200 a month and stop working at 62, and the money lasts past 95 in about 7 of every 10 ways things could go. The same as where you started.
Found a version you like?
Keep it.
One plan, kept up to date.
AluminaFi keeps holding your plan up against your real accounts. Every goal draws on the same money, so adding one shows you what it does to the others — and there is always one thing to do next, with a date on it.
- Home down paymentOn track$48,000 by October 2028
- Emergency fundFive weeks aheadSix months of bills
- New carAbout three months behind$14,000 by March 2027
Adding the car moved your home from June 2028 to October 2028.
Read-only.
AluminaFi can see your accounts. It can’t move a cent.
In today’s dollars.
Every figure is what it would buy now, so forty years out still means something.
Chances, not promises.
Nothing joins your plan until you say so, and every answer shows what it assumed.
Know your chances.
Connect your bank, or explore a private demo with synthetic data first.