Your tax situation
20242025
Your 2024 return shows household income of $78,900, with $1,100 of interest on top.
Features
LasagnaFi aggregates every account you connect, then works out what you should do about your taxes, debt, spending, retirement and savings.
Taxes
Upload your tax return and your brokerage forms. LasagnaFi reads them against your connected accounts to find unused contribution room, over-withholding and losses worth harvesting before year end.
- Unused contribution room in an HSA, 401(k) or IRA
- Over-withholding against last year's return
- Unrealized losses that can offset gains
- Estimated quarterly payments
Your tax situation
20242025
Your 2025 return shows household income of $82,400, taken as the standard deduction.
Debt payoff
Every card, loan and mortgage goes into one payoff schedule. Compare avalanche against snowball, and each one shows you the date you finish paying and the total interest it costs to get there.
- Avalanche: highest rate first, lowest total interest
- Snowball: smallest balance first, accounts close sooner
- Extra monthly payments recalculate the payoff date
- Mortgages, car loans and cards in one list
How fast can you be debt free?
AvalancheSnowball
Total interest$41,600Highest rate first, lowest total interest
Debt freeJune 2038at your current payment
Pay in this order
1
Rewards CardAttack this first, then roll the payment down
2
Auto LoanPay the $296 minimum for now
3
MortgagePay the $1,570 minimum for now
How fast can you be debt free?
AvalancheSnowball
Total interest$46,300Smallest balance first, accounts close sooner
Debt freeNovember 2038at your current payment
Pay in this order
1
Rewards CardSmallest balance, clears in 11 months
2
Auto LoanNext smallest, clears in 4 years
3
MortgageLargest balance, last to clear
Spending
Every transaction is categorized automatically, so you get income, spending and savings rate month by month. Any category running above its own trailing average is flagged and turned into an action with a dollar amount attached.
- Income, spending and savings rate, month by month
- Categories compared against their own recent average
- Flagged categories become actions with a dollar amount
- Transfers between your own accounts are excluded
Spent in July
JulyAugust
$3,620
4% less than June
Income$5,140
Left over$1,520
Savings rate30%
Income Spending
Spent in August
JulyAugust
$4,380
21% more than July
Income$5,140
Left over$760
Savings rate15%
Income Spending
Retirement
A Monte Carlo simulation runs your plan through 1,000 market paths out to age 90 and returns a single number: the probability your money lasts. Change your retirement age or your savings rate and all 1,000 run again.
- 1,000 simulated markets, plus a backtest on real history since 1928
- On track means an 85% chance or better
- Change your saving or your retirement age and watch it move
Retirement outlook
Retire at 65Retire at 60
On track 88% vs 85% target
On track means a chance of 85% or better across 1,000 simulated markets, through age 90.
Years to retirement24retiring at 65
Monthly spending$4,200in today's money
Length of retirement25 yrsage 65 to 90
Retirement outlook
Retire at 65Retire at 60
At risk 61% vs 85% target
On track means a chance of 85% or better across 1,000 simulated markets, through age 90.
Years to retirement19retiring at 60
Monthly spending$4,200in today's money
Length of retirement30 yrsage 60 to 90
Your financial level
Fourteen steps take you from a starter emergency fund to retirement. LasagnaFi derives which step you are on from your actual balances rather than from a questionnaire.
- Placed from your balances, recalculated as they change
- High-rate debt is ordered ahead of investing
- Each step shows the amount that clears it
- Steps above your current one stay locked
Your 14 steps
Step 1 Save a starter emergency fund of $1,000
Done Step 2 Pay off the $5,800 card
Mark done Step 3 Save 3 months of costs, $13,100
Ahead Step 4 Put every spare dollar into tax-free accounts
Ahead Step 1 Save a starter emergency fund of $1,000
Done Step 2 Pay off the $5,800 card
Done Step 3 Save 3 months of costs, $13,100
Mark done Step 4 Put every spare dollar into tax-free accounts
Ahead See your next move in five minutes.
Connect one account and LasagnaFi generates your first list of actions in about five minutes. Free to start, and open source if you would rather self-host.