A financial plan you can actually talk to.
Delta Prime is a financial planning tool built around a real calculation engine, not an AI guessing at your numbers. That engine was built and validated by real people, held to the same rigor a tax authority or an actuary would use. The AI is only the part you talk to. It asks the right next questions to help draft your plan, but it never touches the math.
Describe your income, your debts, your savings, and what's changing in your life, in plain language, the way you'd describe it to a smart friend. No need to connect it to your accounts. The engine turns that into a real financial plan: retirement projections, tax planning, debt payoff, scenario comparisons, and actual charts you keep.
Whether you're in your 30s and untangling early-career trade-offs or in your 60s making retirement-timing calls, Delta Prime meets you at whatever stage you're actually in.
The math isn't AI. That's the whole point.
Underneath the conversation is a deterministic calculation engine, not a language model's guess. See How It Works for exactly what that engine does, why it's not AI, and how it's validated.
How we're different from ChatGPT, a calculator, or an advisor
The difference is accuracy and depth. ChatGPT's numbers are a language model's best guess, with no fixed formula behind them. Delta Prime's numbers come from a validated calculation engine, computed the same way every time, and go deeper: a structured plan with named, comparable scenarios instead of a single freeform reply.
| Traditional calculators | Human advisors | Delta Prime | |
|---|---|---|---|
| Getting started | Long forms, dozens of fields before any output | Scheduling, paperwork, a fee before any output | A short conversation, in plain language |
| Depth | A fixed set of built-in calculators | As deep as the advisor's own time allows | As deep as you want: Roth conversions, 529 strategy, insurance gaps, business decisions, all anchored to your real numbers |
| Cost | Often free, but shallow | Typically a percentage of your assets or an hourly fee | A fraction of one hour of a financial planner's time, per year |
| Bias | None, but no guidance either | May earn commissions tied to specific products | None. No sponsors, no commissions, no product placements, ever |
| Persistence | A single-use output, re-run from scratch every time | Revisited once or twice a year | A living plan that remembers your situation and updates with it |
| Account access | Sometimes requires linking accounts | Often requires full account visibility | Never required. You describe your numbers |
We don't replace a financial planner for legal, tax-filing, or estate-document work. We tell you plainly when a question needs a licensed professional (CFP, CPA, attorney) and point you there. What we replace is the gap between having a rough sense of your finances and having an actual plan you can act on.
How it works: from a conversation to a real plan, in four steps
Tell us about your finances.
Your income, roughly what you owe, roughly what you have saved, and what's changing in your life. No spreadsheets, no document uploads required to start, and nothing ever connects to your bank accounts.
Review your profile.
Anything you didn't specify gets filled in with clearly labeled, industry-standard defaults, never silently — and you can sharpen any of them at any time, just by telling the assistant.
Ask anything, in the chat.
“When can I retire.” “Should I convert to a Roth this year.” “What does a second home do to our plan.” We go as deep as the question warrants, and every answer ties back to your actual numbers.
Explore unlimited scenarios.
Retire at 55 vs. 60. Spouse returns to work in 2028 vs. 2030. Buy the vacation home now vs. in three years. Save each one, and compare them side by side on the same chart, under the same market conditions, so the only thing that changes is the decision you're testing.
What people ask Delta Prime
“Can my spouse and I afford for one of us to go part-time when the baby comes?”
“When can I actually retire, and how confident should I be that my money lasts?”
“Should I pay off my student loan faster, or invest the difference?”
“What does a $100k inheritance from my parents change about our plan?”
“I want to save $100k for each of my kids by the time they're 25. Am I on track?”
“Should I claim Social Security at 62 or wait until 70?”
“What happens to our plan if I leave my job to start a business in two years?”
Projection, not a guarantee. Educational illustration, not financial advice.
Join the beta