FINANCIAL PLANNING FOR REAL LIFE
See what a big money decision changes. Before you make it.
Buying a home, taking time off, growing your family, or planning retirement? Ask in your own words. Linc tests the decision against the rest of your financial life—then shows you the math.
1 month free, then $19/month. Cancel anytime.
Start with the decisionnot another dashboard to interpret
Your whole financial picturecash, debt, investments, property, and goals
SEE ASK LINC IN ACTION
Start with a real question. Follow the answer.
Explore a real product example with identifying details removed—from the decision itself to connected finances, Show the Math, and the sources behind the answer.
DECISION WORKSPACE
Make the next financial decision with context.
ASK LINC
Uses connected accounts, calculations, and current context when available.
✓ Current answer
Key metrics
You’re in a strong position overall—$3.65M net worth, $2.27M invested, and a healthy 35% savings rate. The next step is to match your future income against spending, inflation, and how long the money needs to last.
Takeaways
- A 35% savings rate gives you a strong retirement engine, but your monthly cash flow still moves around.
- Your retirement and taxable accounts give you several places to draw from over time.
- About $351K of debt, mostly the mortgage, needs to be paid off or included in future spending.
- Your target retirement age and annual spending goal will have the biggest effect on the answer.
Action items
- Choose a target retirement age and annual spending goal.
- Review the part of the retirement portfolio that is not itemized.
- Decide whether paying off the mortgage before retirement is a goal.
START WITH THE DECISION, NOT THE DASHBOARD
Your money is connected. Your decisions should be too.
One decision can ripple through the rest of your plan. Linc keeps cash, work, family costs, and retirement in the same picture.
01 / BUY A HOME
Can we afford this home?Without becoming house poor.
Explore this decision →02 / TAKE TIME OFFCan I take a year off?Without setting retirement back.
Explore this decision →03 / GROW A FAMILYCan one of us take leave?And still afford childcare.
Explore this decision →04 / RETIRECould we retire two years sooner?Without making the plan too tight.
Explore this decision →HOW IT WORKS
Ask the question. Linc finds what could change the answer.
Your accounts provide the facts. Linc adds only the cash, debt, investments, rates, or market context that could change the decision.
- Ask in your own words
- Bring in what matters
- Compare the tradeoffs
- Get a recommendation
- Check the work
SHOW THE MATH
Don't take the answer on faith.
See your numbers, what Linc assumed, the calculations, built-in checks, and where current information came from.
Your numbersWhat Linc used
AssumptionsWhat had to be estimated
MathHow the answer was worked out
ChecksWhat was verified
SourcesWhere current facts came from
See how answers are checked →PRIVACY BY DESIGN
Your financial data is never used to train AI models.
Read-only connections. Sensitive labels removed before AI analysis. Disconnect anytime.
See how your data is protected →Your accountsRead-only connection
→Sensitive labels removedBefore AI analysis
→Your answerOnly what is needed
✓ Read-only access✓ Never used for training✓ Disconnect anytime
“
The answers sounded convincing. That wasn't enough for a real financial decision.
Ethan TengFounder, Ask Linc
WHY I BUILT THIS
I needed to answer one hard money question.
After a layoff, I tried using ChatGPT with my own bank statements. I couldn't tell which numbers were facts, which were assumptions, or whether the math held together. So I built the tool I wanted to use myself.
Read the story →SIMPLE PRICING
One month free. Then $19/month.
One plan. Full access. Cancel anytime.
ONE PLAN. EVERYTHING INCLUDED.
$19/month
First month free. Full access. Cancel anytime.
- Unlimited questions & follow-ups
- Unlimited connected accounts
- What-if scenarios
- Current rates and market context
- Show the Math on every answer
YOUR NEXT DECISION STARTS HERE