From a conversation to a real plan.
Delta Prime combines a conversational interface with a deterministic calculation engine. The conversation gathers context and explains results; the engine applies financial formulas, tax rules, and scenario logic.
Every number in your plan — income tax, Social Security benefits, Roth conversion effects, debt payoff dates, retirement projections — comes from a calculation engine: software built specifically to do financial arithmetic the way a tax preparer's software or an actuary's model would. It follows fixed formulas and published tax rules. Given the same inputs, it produces the same answer every time.
What we cover — and how well.
Wondering whether Delta Prime handles your situation? Search any topic — divorce, student loans, IRMAA, relocation — to see if our engine covers it, and how: Calculated on your own numbers, Estimated, or handled as Guidance.
The AI never does the math.
Underneath the conversation is a deterministic calculation engine, not a language model's guess.
Want to see the technical details?
Explore how our engine works — the calculations behind it, how we validate them, and what it assumes.
Explore how our engine works →The product loop
Delta Prime separates the conversation from the calculation so the experience stays simple without making the numbers casual.
Talk
Describe your income, debts, savings, goals, and what’s changing in your life — it’s a real conversation, not a form, so just explain it the way you would to a friend. Nothing ever connects to your bank accounts; you simply tell us the numbers.
Calculate
The engine takes what you’ve described and builds or updates your scenario — running the real tax rules, retirement math, and formulas behind it, not a language model’s guess.
Translate
The chatbot turns what the engine calculates into plain, digestible language — the numbers, the assumptions behind them, and the trade-offs worth knowing.
Keep
Save a scenario, chart, analysis, calendar item, or pinned metric. Nothing is locked in — revisit any of it whenever you want, and choose which direction to explore next.
One base scenario. Any number of named alternatives.
The base scenario represents life as currently planned. A new scenario can inherit its assumptions, change one or more decisions, and keep its own metrics without altering the original.
All scenarios run through the same simulated market paths. The difference reflects the decision, not random variation.
A framework can guide the plan — it never replaces it.
Use FIRE, Bogleheads, or another supported lens, or choose general planning. The calculation stays grounded in your numbers; the language, milestones, and saved artifacts adapt.