Take control of your financial life.
We’ll optimize every dollar of it.
Know where every dollar went. Know where your wealth came from.
Know exactly what to do next.
Everything your advisor does. Everything YNAB doesn’t.
Same price as a Costco Executive membership. Hot dogs not included.
“Where should I put my money?”
Your tax bracket, filing status, available accounts, employer match, and state determine the optimal order. We compute it — personalized to you, not generic advice from a blog post. We tested our strategy against every alternative across hundreds of demographic scenarios. Ours won. Every time.
“How much will I actually have?”
Full lifecycle projection from now through estate. Tax-optimal withdrawals, Roth conversions, Social Security timing, IRMAA avoidance. The interaction effects your advisor misses — like the SS torpedo stacking with RMDs — add 16 percentage points to your effective rate. We catch those.
“Where did my money go?”
Balance Sheet, Income Statement, Cash Flow, Net Worth Decomposition — publicly traded company fidelity for your household. Every paycheck decomposed. Every transfer tracked. Every unrealized gain computed. Reconciles to $0.
YNAB got you out of debt.
Now what?
Envelope budgeting teaches you to spend less than you earn. That’s step one, and YNAB does it well. But once you’re saving, the questions change:
YNAB wasn’t built for these questions. ProCFO was.
See it in 2 minutes.
Enter your age, income, and account balances. No bank linking required.
You’ll see your optimal savings strategy, full lifecycle projection, and exactly how much more you’ll have than if you winged it.
How we stack up
We tried to make this table fair. Then we added columns for robo-advisors and Costco.
| Feature | Human Advisor* | Robo Advisor | YNAB | ProCFO | Costco |
|---|---|---|---|---|---|
| Bank connections | ✗ | ✗ | ✓ | ✓ | ✗ |
| Spending tracking & reports | ✓ | ✗ | ✓ | ✓ | ✗ |
| Net worth tracking | ✓ | managed only | ✓ | ✓ | ✗ |
| Reconciling financial statements | ✗ | ✗ | ✗ | ✓ | ✗ |
| Knows your actual tax rate | ? | basic | ✗ | 50 states | ✗ |
| Catches tax traps (IRMAA, ACA, SS torpedo) | ? | TLH only | ✗ | ✓ | ✗ |
| Tells you where to put every dollar | ✓ | ✓ | ✗ | tax-optimized | ✗ |
| Retirement projections | ✓ | basic | ✗ | ✓ | ✗ |
| Tax-smart withdrawal strategy | ✓ | basic | ✗ | proven optimal | ✗ |
| Roth conversion planning | ? | ? | ✗ | ✓ | ✗ |
| Social Security optimizer | ? | ✗ | ✗ | ✓ | ✗ |
| You keep control of your money | ✗ | ✗ | ✓ | ✓ | ✓ |
| Conflicts of interest | paid on assets, not outcomes | 0.25% AUM | none | none | none |
| Envelope budgeting | ✗ | ✗ | ✓ | ✗ | ✗ |
| $1.50 hot dogs | ✗ | ✗ | ✗ | ✗ | ✓ |
| Annual cost (advisor = 1% AUM, robo = 0.25% AUM) | |||||
| $100K portfolio | $1,000 | $250 | $109 | $130 | $130 |
| $1M portfolio | $10,000 | $2,500 | $109 | $130 | $130 |
| $10M portfolio | $100,000 | $25,000 | $109 | $130 | $130 |
| % of your wealth erased by fees† | |||||
| 20 years | 17–38% | ~5% | 0% | 0% | 0% |
| 30 years | 25–51% | ~7% | 0% | 0% | 0% |
| 40 years | 31–61% | ~9% | 0% | 0% | 0% |
| 50 years | 37–69% | ~11% | 0% | 0% | 0% |
| 60 years | 43–76% | ~13% | 0% | 0% | 0% |
| 70 years | 48–81% | ~15% | 0% | 0% | 0% |
* Advisor quality varies wildly, but nearly all charge ~1% of assets under management. Even the best ones — fee-only fiduciaries who recommend low-cost index funds and give honest tax advice — are devastating to your long-term wealth accumulation at that price. The worst (~95% of the industry) compound the damage: steering assets into accounts they manage instead of your 401k, recommending high-cost funds that pay commissions, and generating unnecessary turnover that triggers taxable events. Robo-advisors have smaller conflicts (0.25% AUM) but still scale with your portfolio and offer limited tax planning beyond basic tax-loss harvesting. Software with flat pricing is conflict-free by construction — it has no AUM to protect.
† Percentages show the base case: 1% AUM for human advisors, 0.25% for robos. The math is ((1+r−fee)/(1+r))n — nearly independent of return assumptions. These are conservative: add high-cost funds (+0.5% ER), churning, and tax drag, and a human advisor easily destroys 50%+ over a career. Flat-fee products don’t scale with your portfolio, so fee drag is effectively 0%.
** If you’re more of a Sam’s Club person, your ProCFO membership will be denied.
The receipts
Our founder’s actual 10-year net worth decomposition. Professor’s salary. Five kids. Poverty line to $3.5M.
14% effective tax rate. $79K/year for a family of 7. $1.7M the market contributed for free. This is what ProCFO produces. No other tool can.
Pricing
We pegged our price to a Costco Executive membership.
When Costco raises, we raise. Blame Costco.
No premium tier. No enterprise plan. Everyone gets everything.
One product. One price. Zero conflicts of interest.
“A good financial advisor charges 1% of your portfolio to tell you to buy index funds. A bad one charges 1% to put you in funds with another 1%+ in expenses. We charge $130/year to do what the good ones do — plus optimize your taxes, retirement withdrawals, Social Security strategy, and Roth conversions. We’re also available at 3am and will never try to sell you whole life insurance.”
Built by a finance PhD who went from the poverty line to $3.5M on a professor’s salary with five kids. The system works. We have receipts.