Stop guessing
with your money.

LasagnaFi looks at all your financial information and suggests the best next steps to improve your finances.

Your plan · this week updated today
1
Do this now

Kill the $6,240 card balance.

It's at 23.9%, costing you $124/mo in interest. Nothing you could invest in beats a guaranteed 23.9% return.

+$1,490
saved / yr
2
Next

Get term life + a will.

2 dependents, $0 coverage. If something happens to you, they're not protected. ~$42/mo fixes it.

$42
/ mo
3
Then

Top off your Roth. $4,800 to go.

Tax-free growth, and you can't add to your 2025 Roth after April 16.

$2,200
of $7,000
3 of 12 layers activenet worth $182,430 ↑
One move

The single most important thing to do with your money next.

The math

Every recommendation shows the exact numbers behind it.

In order

A clear priority order, 12 layers deep, from emergency savings to retirement.

Your numbers

Answers grounded in your accounts. The AI never sees your name or bank.

Answers you can act on today.

Most finance apps give you graphs to read. LasagnaFi tells you what to do. Here's what shows up on your screen.

Ask a question. Get an answer that shows the math.

Type the question you'd ask a financial planner. LasagnaFi pulls your figures, runs the comparison, and gives you a straight answer with the math behind it.

  • Grounded in your real balances, rates, and brackets
  • Shows the calculation, not just the verdict
  • Push back, drill in, run the next scenario
LasagnaFi
you
I've got $6k sitting in checking. Pay down the card or throw it in my Roth?
Pay down the card first. Your card is at 23.9% APR and your Roth is projected at ~7%/yr. Paying the card is a guaranteed 23.9% return; the market isn't.
Keep $6k, pay card interest−$1,434 / yr
Invest $6k at ~7%+$420 / yr
Net by paying the card first+$1,854 / yr
Clear the balance first. You've still got until April 16 to fund the Roth, so come back to it once the card's paid off.

See exactly where you stand in the priority stack.

Twelve layers, oh-shit fund to estate planning. LasagnaFi places you on the stack from your real accounts and tells you which layer you're on, plus why the ones below it stay locked until you clear it.

  • Auto-placed from your live balances
  • High-rate debt always sorts to the top of the list
  • Tap any layer for the exact threshold to clear it
The Lasagna Layers
you are on 3 / 12
1
Stabilize + oh-shit fund$1,000 buffer
done
2
Capture the employer match100% of the free money
done
3
Wipe out high-rate debt$6,240 card @ 23.9%, pay this first
you are here
4
Emergency fund3–6 months, liquid
next
5
Insurance + willterm life · disability · estate
queued
6
Tax-advantaged investing
locked
7
Medium-rate debt · 8–15%
locked
8
Max contributions → financial independence
+5 more

Know if you're on track to retire.

10,000 simulated futures, backtested against every market period since 1928. You get one readiness number and the one change that moves it most.

  • Monte Carlo across real historical sequences, not a flat 7%
  • Live readiness score from your current savings rate
  • See what each change does to your number
FIRE at 55
live projection
87%on track
You hit FIRE at 55 in 8,700 of 10,000 futures.

At your current savings rate, $2.1M target, 41 years old today.

Save $300 more / mo → readiness climbs to 94% and you retire ~14 months earlier.

Find the tax moves worth making.

LasagnaFi checks your brackets, accounts, and holdings for available tax moves, then puts a dollar figure on each one.

  • Roth conversions, loss harvesting, HSA, asset location
  • Each one priced to your accounts and brackets
  • Only the moves you're actually eligible for
Tax moves
found this year
Roth conversion windowYou're in the 32% bracket; convert up to the next ceiling
~$1,800
Asset location fixMove bonds into your 401(k), stocks into Roth
~$640
HSA gap$1,300 of $4,300 left, triple tax-advantaged
~$416
0% LTCG harvestNot available, income too high this year
Estimated, this year≈ $2,856

See when your spending starts climbing.

It compares each month to your own averages and flags the categories that jump, so a creeping bill doesn't set you back.

  • Category trends against your own 6-month baseline
  • New recurring charges flagged automatically
  • Unusual spending shown at the top of the page
Spending watch
last 30 days
Dining is up 38% vs your 6-month average.

$842 this month vs $610 typical. Three new recurring charges flagged.

Dining & takeout$842 ↑ 38%
Groceries$486 ↓ 6%
Subscriptions$214 ↑ 3 new
Transport$172 ↓ 11%
Discretionary, total$1,728 ↑ 14%

Hide your identity
from ChatGPT and Claude.

Before any question reaches the AI, your identity is stripped and tokenized. The model reasons over balances and ratios, never your name, bank, or account numbers. The core and the scrub layer are open source. Host it yourself if you'd rather keep everything on your own server.

Your data
holderJane Richter
bankFirst National
acct****9821
balance$48,230.14
savings rate22.4%
Sent to the AI
holderuser_0xA2
bank[redacted]
acctacct_01
balance$48,230.14
savings rate22.4%

You've been guessing.
You don't have to.

Connect your accounts and see your next move in about five minutes. It's free to start and open source.