Stop guessing
with your money.

LasagnaFi connects your accounts, looks at everything at once, and hands you a ranked list of the best next moves — with the exact math behind each one.

Free to start · open source · read-only connections

Where your wealth stands updated today
Assets $0
Debt $0
=
Net worth $0
▲ $4,120 this month · +2.3%
Cash 14% Investments 58% Property 28%
1Next move · Kill the $6,240 card @ 23.9% +$1,490/yr
One move

The single most important thing to do with your money next — not a wall of charts.

The math

Every recommendation shows the exact dollars behind it. No black box.

In order

A clear priority stack, 12 levels deep, from your oh-shit fund to retirement.

Your numbers

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

How it works

Answers you can act on today.

Most finance apps hand you graphs to interpret. LasagnaFi tells you what to do next — and shows the math behind it. Here's what actually shows up on your screen.

Your three highest-impact moves, ranked.

LasagnaFi reads every account together and sorts the whole to-do list by dollars. You open the app to a short, ordered plan — not a dashboard to decode.

  • Ranked by real impact, in your dollars
  • High-rate debt always sorts to the top
  • Each move opens straight to the tool that does it
3 moves to make today this week
1
Debt · do now

Kill the $6,240 card balance

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

+$1,490saved / yr
2
Protect · next

Get term life + a will

2 dependents, $0 coverage. If something happens, they're exposed. ~$42/mo fixes it.

$42/ mo
3
Grow · then

Top off your Roth — $4,800 to go

Tax-free growth, and you can't add to your 2025 Roth after April 15.

$2,200of $7,000
3 of 12 levels activenet worth $182,430 ▲

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

Type the question you'd ask a financial planner. LasagnaFi pulls your real figures, runs the comparison, and gives you a straight answer you can check.

  • Grounded in your balances, rates, and brackets
  • Shows the calculation, not just the verdict
  • Push back, drill in, run the next scenario
AI Chat Claude Sonnet
you
I've got $6k in checking. Pay down the card or throw it in my Roth?
Pay down the card first. It's at 23.9% APR; your Roth is projected around ~7%/yr. Clearing 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
You've still got until April 15 to fund the Roth — come back to it once the card's clear.

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 single change that moves it most.

  • Monte Carlo over real historical sequences, not a flat 7%
  • A live readiness score from your current savings rate
  • See what each change does to your number
Will your money last? live projection
0%on track
You hit your number in 9,200 of 10,000 futures.

At today's savings rate · $2.1M target · retire at 55.

Save $300 more / mo → readiness climbs to 96% and you retire ~14 months earlier.
todayp5–p95 rangeage 90

See exactly where you stand in the stack.

Twelve levels, oh-shit fund to estate planning. LasagnaFi places you on the stack from your live balances and tells you which level you're on — and why the ones above stay locked until you clear it.

  • Auto-placed from your real balances
  • High-rate debt sorts above investing, always
  • Tap any level for the exact threshold to clear it
Your financial level Level 3 / 12
1Stabilize + oh-shit fund$1,000 bufferdone
2Capture the employer match100% of the free moneydone
3Wipe out high-rate debt$6,240 card @ 23.9% — pay this firstyou're here
4Emergency fund3–6 months, liquidnext
5Insurance + willterm life · disability · estatequeued
6Tax-advantaged investinglocked
7Medium-rate debt · 8–15%locked
8Max contributions → financial independence+4 more
Pricing

Start free. Upgrade when it pays for itself.

The whole planning engine is free. Pro is for when you want more accounts, instant syncs, and the sharpest models working on your money.

Free Open source
$0forever

Everything you need to find your next move.

  • Up to 3 connected accounts
  • Daily automatic refresh
  • Full AI chat — standard model
  • Every planning tool: plan, levels, retirement, tax
  • Open source & self-hostable
Get started

Why upgrade? A single tax or debt move LasagnaFi surfaces usually covers a year of Pro — many times over.

Private by design

Hide your identity
from the AI.

Before any question reaches ChatGPT or Claude, your identity is stripped and tokenized. The model reasons over balances and ratios — never your name, bank, or account numbers. Connections are read-only.

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. Free to start, open source.