SELF-DIRECTED FINANCIAL PLANNING
Know what your money lets you do next.
Ask Linc turns your real finances into a plan you can stress-test—so you can decide when to retire, work less, spend more, or make another big move.
Try free for 30 days. No credit card required.
Question → modelstart with the decision, not a spreadsheet
Deterministic calculationspurpose-built math for supported scenarios
Stress-test the planchange assumptions and compare what-ifs
COAST FIRE · FREE CALCULATOR
Find your Coast FIRE number. Then see what it lets you change.
Working toward Coast FIRE? Find out whether your current savings could grow to your retirement target without more contributions—then decide what that could mean for work, saving, and retirement.
Calculate my Coast FIRE numberFREE TOOLHave I reached Coast FIRE?Number + assumptions→NEXT DECISIONCan I really coast?Real finances + scenarios
SEE ASK LINC IN ACTION
See the planning model before you start.
Explore a real product example with identifying details removed—from the decision and financial model to the calculations, assumptions, and sources behind the answer.
Explore the interactive example
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.
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.
- An ongoing model built from your real finances
- Unlimited questions and follow-ups
- What-if scenarios and retirement stress tests
- Current rates and historical market context
- Inspectable assumptions and Show the Math
START WITH THE DECISION, NOT THE DASHBOARD
Know what you can safely change. Before you change it.
One decision can ripple through the rest of your plan. Linc keeps cash, work, family costs, investments, and retirement in the same model.
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 builds the financial model.
Your real financial state supplies the inputs. Deterministic calculations handle supported math. You control the model by asking follow-ups and changing assumptions.
- Ask in your own words
- Build the relevant model
- Run the calculations
- Stress-test scenarios
- Inspect the assumptions
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
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 →