Your AI financial analyst
Stop staring at dashboards.Just ask Linc.
Ask the hard questions about your money—with answers grounded in your complete financial picture.
Can we retire at 60 if rates stay higher for longer?
Yes — with a clear surplus, if you hold spending near today's plan. At age 60 your portfolio is projected around $6.3M versus roughly $4.6M needed for your $140K lifestyle. Higher-for-longer rates help cash and bonds, but the real risk is sequence-of-returns in the first five years — not whether you can retire.
Recommendation
Target 60 as the base case. Pay down the $444K debt before age 53, and glide equities from 92% toward ~70% so a market drop near retirement doesn't force a delay.
Numbers from sample household data · live rates cited in full answers
See a real answer free →Or ask your own question on sample data:
No credit card needed. Interactive demo with sample financial data.
The questions that matter most are hard to answer alone
“Can I retire early?”
“Can I afford this house without sacrificing my other goals?”
“Should I pay off debt or keep investing?”
The answer depends on your income, spending, investments, debt, taxes, goals, risk, timing, and what happens next. Ask Linc reasons across your complete financial picture.
One financial model. One line of reasoning.
Your cash, investments, debt, property, goals, and current market conditions are analyzed together—not as separate dashboards.
One connected financial model
An answer about your mortgage already accounts for your retirement date, your tax situation, and how much risk you can carry.
Real-time market intelligence
Live interest rates, inflation, market conditions, and economic data are baked into every answer.
Run what-if scenarios
Retire earlier or later, buy the house, pay off debt or keep investing, change your savings rate, ride out a downturn — change an assumption and see what it does to everything else.
How Linc Works
Connect once
Link your financial accounts securely via Plaid
Ask the hard questions
The real ones — retirement, housing, debt, risk. No setup or navigation required
Explore what happens next
Ask follow-ups, change your assumptions, and run the scenario again until the decision is clear
Over 12,000 Financial Institutions Connected
Linc is connected to over 12,000 financial institutions around the world, including in the US, Canada, the UK, and Europe.
Real math, not AI guesses
Wondering if the answer is confidently wrong? The calculations are deterministic — run on your connected data, not improvised by the model. Numbers are shown, live sources are cited, and you can open “Show the math” on any answer to inspect the work.
A real recommendation — not another chart.
How Show the Math works →One plan. Full access.
Ask Linc
Compared to the 1-2% of your wealth a human advisor charges every year.
- Answers grounded in your real accounts and live market data
- What-if scenarios and follow-up questions
- Market-aware financial reasoning
- Retirement & risk analysis
- Unlimited questions and unlimited connected accounts
- Privacy-first architecture
Cancel anytime.
Why I built this
Ethan Teng
Founder, Ask Linc
After getting laid off, I pasted my bank statements into ChatGPT to answer tough money questions—and immediately regretted it.
The answers sounded convincing, but financial decisions need more than convincing. They need your real financial picture, reliable calculations, current market data, and numbers you can inspect.
So I built Ask Linc: a way to get decision-ready answers from your actual finances.
Privacy that actually means something
The AI doesn’t see your real account details—only what’s necessary to provide answers.
Powered by Plaid
The same secure tech used by Venmo, AmEx, and thousands of banks
Read-only access
We can't move your money — ever
Data anonymization
All sensitive data is anonymized before AI analysis
Privacy-protected AI
Your data is never used to train AI models
Complete control
View, export, or delete all your data anytime
Transparency
See exactly what data we have about you
Ask the questions your dashboards can’t answer
Bring everything together, change the assumptions, and follow the reasoning all the way through — before you commit.
$9/month. Cancel anytime.
See a real answer free, no credit card needed