Your game plan.
Your money.
Your future.

Tobi is built for people who are still building wealth—the accumulation stage of financial planning. It helps you make real financial progress without living in spreadsheets or getting generic advice, and it’s especially helpful if you want a clear, step-by-step path grounded in your actual numbers.

Tobi’s interface is designed around a set of interactive Smart Cards^™—focused, topic-specific views (like Cash, Debt, Retirement, and Investments) that organize your data and surface the next best action. Tobi is designed to grow with you—from foundational guidance to more advanced planning as your finances get more complex and you build toward retirement. And if you Play Your Cards Right^®, you move up the 10 Levels of Financial Wellness.

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  You want clarity on what to do next. Smart Cards^™ surface the highest-leverage actions in a sensible order.
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  You want momentum, not overwhelm. Levels turn big goals into smaller milestones you can actually complete.
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  You want guidance that reflects your real situation. Link accounts for the most accurate insights, or enter balances manually when needed.
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  You want to explore “what-if” scenarios. Tobi uses calculators and tax-aware models to run projections and tradeoffs—not guesswork.
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  You're saving toward FIRE or early retirement. Tobi tracks your investment rate and uses projections to help you explore progress toward making work optional.

Not currently. Tobi is designed for adults who are saving and building wealth, rather than people who have already retired or are about to retire.

Our projections do not provide a complete retirement-income plan or optimize withdrawal order, Roth conversions, Social Security claiming, or required minimum distributions. If you’re retired or preparing to retire within the next two years, work with a qualified financial professional on how to fund your retirement.

Tobi runs on a rules-driven financial system. The best part is that we designed it to surface insights without relying on AI at all, and the proprietary rules and calculators are the brain behind the math. And if you ask a question, Tobi uses AI to interpret your question, ask for missing details, and explain results in plain English.

This means that when you ask something that requires real math, the AI doesn’t “guess” the answer from a prompt. Instead, it orchestrates 50+ built-in tools and calculators to run real calculations, forecasts, and projections (including what-if scenarios) against your data.

You can’t prompt your way to financial independence. A chatbot only answers what you think to ask—and you can only ask about what you already know you don’t know.

Yes, some chatbots can now connect to your bank accounts. That’s handy for “How much did I spend on lattes last month?” But knowing where your money went isn’t a plan. The questions that move your net worth are all connected, and it can all change on a dime. Should your next dollar pay down debt or go into your 401(k)? That depends on your interest rates, your employer match, your tax situation today, your expected tax situation in retirement once you start withdrawing from your investments, and your emergency fund relative to your normal spending. Plus a lot of assumptions. And believe us—that’s not a maze you want to navigate inside a chat box.

Do you want OpenAI getting your full financial life? Link your bank to ChatGPT, and your transactions, balances and investments sync into it automatically. It saves “financial memories” about you, and on personal plans your finance chats can be used to train OpenAI’s models unless you opt out. And on the Free and Go plans, you may see ads—which can be personalized using your past chats and memories.

Tobi works the other way around. Your accounts link to Tobi, not to a chatbot, and our purpose-built, deterministic engines do the heavy lifting, no AI required. Each Smart Card^™ watches one part of your money and is automatically connected to all the others through those engines, so a raise, a new loan or a market drop ripples through to your next best move—without you having to ask a question.

Tobi doesn’t just count your lattes. And not just because he prefers hay. Tobi runs the math on your future, with deterministic, tax-aware financial models designed by financial advisors and fed by your real, up-to-date accounts. Same numbers in, same answer out. Tobi uses AI to interpret your questions and explain the results in plain English, and you can use most of the app without relying on AI at all.

Your insights show up on their own, triggered by changes in your accounts, with no chatbot prompt needed. When you ask a question, the AI pulls the numbers it needs from Tobi’s engines—your accounts never sync into it. AI may also help sort transactions, but only if your bank didn’t label them clearly. Either way, OpenAI is contractually prohibited from training on your data. The result: no ads, your data is never sold, and it’s never used to train AI.

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  The math is deterministic. Tobi’s financial models are code designed by financial advisors, not AI predictions, so the same inputs always give the same answer.
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  Next steps in the right order. Not just an explanation—Tobi ranks what to do next using proprietary prioritization logic designed by a team of financial advisors.
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  The AI explains; the engines calculate. When you ask a question, the AI runs Tobi’s 50+ built-in tools and calculators against your data, then explains the results in plain English. It doesn’t guess the numbers.
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  You can check the work. Tobi can show the inputs and assumptions behind its answers, so you can sanity-check them instead of wondering what was assumed.
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  Tobi is proactive. Tobi can surface what needs your attention without you asking—bridging the gap between “you don’t know what you don’t know” and “you don’t know to ask.”

Yes! Tobi is built for people saving toward making work optional—whether that's at 65 or 45. Set your target retirement age, and Tobi will project whether you're on track based on your real accounts, contributions, and spending.

Tobi tracks your investment rate across all accounts (401k, IRA, brokerage, and more), runs what-if scenarios, and even accounts for early withdrawal penalties and tax-aware withdrawals. If your projections suggest you've reached "Coast FIRE," Tobi recognizes it and adjusts your guidance accordingly.

These projections help you build toward retirement; they are not confirmation that you can retire or a plan for drawing retirement income.

It depends on your situation—and Tobi does the math for you. Tobi's prioritization engine compares your debt interest rates against expected investment returns (tax-adjusted) and tells you where your next dollar should go.

The general order: starter emergency fund → credit card payoff → get employer match (if any) → tackle remaining high-interest debt → build additional cash reserves → max out tax-advantaged accounts → tackle remaining debt that exceeds the expected rate of return on your investments → ramp up your non-retirement investments. But Tobi personalizes it based on your actual rates, balances, and goals.