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Financial CompanionAsk Ontop Fi AI about anything
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AI freedom itinerary Growth stretch
Financial Freedom Summary
Net worth$342,850+2.4%
Destination dateNov 203711 months faster
Monthly surplus+$1,45031% savings rate
Runway7.8 moBusiness healthy
22%on the way
$1.5M destination
$1.16M remaining
Auto-invest +$600 Profit sweep 18% Reserve finish $3k
Top MovesHighest leverage
For Growth
Freedom JourneyCurrent path to financial independence
Step 2 of 5
Destination $5M Goal 50% 22% Fund Start
Estimated score74
Resilience68
Annual progress+$34.2k
BlueprintCore pillars
Reserves80%
Debt72%
Investing58%
Tax plan41%
MilestonesNext major steps
MomentumIncome vs Investing
6 months
Income$12.6k
Spend$8.1k
Invest$2.9k
Business GoalsTracked buckets
Priority
Emergency fund$12k / $15k
80%2 mo
New truck$45k / $80k
56%14 mo
Business tax reserve$21k / $40k
52%Q4
Investment optionsMatched to your current stage
High-yield cashFDIC-insured savings options
4.8% APYReserve fit
Low-cost index investingBrokerage and IRA solutions
0.03% feeGrowth
Protection & coverageTerm life and umbrella review
Gap foundReview
Financial solutionsApplicable to your situation

Earnings

Income streamsEverything that pays you
+ Add stream
Monthly total
$12,600
Smart Payday SyncPay yourself first, automatically
Detect payroll depositsAcme Inc · 1st & 15th
Transfer trigger bufferWait for funds to clear
Future-Self amountMoved the moment payroll lands
$1,250/mo
Earnings trendLast 6 months
Raise trackerCareer income growth
Last increaseMar 2026 · annual review
+4.0%
Next reviewOct 2026 · prep script ready
Market gapYour role vs market median
-6%

Investments

Total invested$286,400
Today+$1,284
Fee drag0.31%
Passive income$1,180/mo
PerformanceConsolidated climb
Fee snifferMoney leaking to managers
Active fund SPX5 · 0.85% ERSwap to 0.03% index → ≈ $212k over 30 yrs
Tax-loss window · ETH −$3,100Offsets gains, wash-sale safe pair ready
AllocationTarget vs actual
HoldingsRead-only via Plaid
AssetValueDayER / flag
Auto-investMonthly Future-Self transfer
$600 buys back ≈3.2 yrs

Opportunities

Benefits & programs radarMoney you qualify for but haven't claimed
1 tracked · $27,872
Your venturesStage, runway, next milestone
Verified rate boardInstitutions on the network

Investment Plan

Your "Top" numberRule of 25 · today's dollars
The Top target$1,500,000
Freedom date—

Target = expenses × 12 × 25 × flavor. Date compounds your current net worth and monthly investing at your audited real return.

Audit the AIOverride assumptions — stay bulletproof
real 4.0%
Nominal return6.5%
Inflation2.5%
Crossover chartPassive income vs expenses
Time MachineWhat-if life events
Open

Tax Planning

Annual checklist2 of 6 complete
Deduction finderOwner-income opportunities
est. +$8,400
Tax-loss harvestingTurn red days into deductions
Unrealized loss · ETH sleeve−$3,100 available to offset gains
Wash-sale guard31-day correlated pair pre-selected
Armed
Estimated paymentsQuarterly schedule
DocumentsReady for your CPA

Reports

Monthly recapAI-generated summary
← Prev June 2026 Next →
Surplus+$1,450
Savings rate31%
Freedom date shift−12 days
Streak12 days
WINS
    DRIFT
      Net worth historyTrailing 12 months
      Savings rate trendGoal ≥ 30%

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      Support

      FAQQuick answers
      Rule of 25: monthly expenses × 12 × 25, adjusted for your Lean/Top/Fat flavor — the portfolio that covers your life forever at a 4% safe withdrawal rate.
      No. Connections run through Plaid/Yodlee with tokenized, read-only access. Ontop Fi never sees or stores credentials and cannot move money.
      Settings → Privacy & AI training → toggle off. Opt-out applies to future processing; an erasure template is available for historical data.
      When an outlier expense breaks your Safe-to-Spend streak, recategorize it as Emergency and reset the allowance. No shame spiral — a fresh streak starts tomorrow.
      TroubleshootingSync & connection fixes
      Bank won't linkCheck bank portal alerts & third-party sharing permission
      Insights look staleTrigger a manual sync pull
      MFA code not arrivingUpdate contact info at your bank
      Contact the teamhello@ontopfi.com
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