Built for smarter financial decisions

Turn your financial life into a clear next move.

FInsight analyzes income, assets, debt, expenses, risk tolerance, time horizon, and adjustable model assumptions to generate a financial recommendation with sensitivity and Monte Carlo outputs.

Current model

PV

Income + debt

Risk

User profile

Goal

Decision rules

Step 1 of 7

FInsight Flow

Goal

What is your main goal?

This helps the app decide which financial rules matter most.

Buy vs Rent NPV Inputs

These inputs are used to compare the present value cost of renting versus buying.

Model Documentation

Model Methodology

FInsight is built as a financial modeling tool that converts user inputs into present value estimates, stress-tests assumptions, and generates a recommendation based on net position, risk tolerance, time horizon, and goal fit. The model also includes user-adjustable assumptions for discount rate, income growth, expense growth, expected investment return, and Monte Carlo simulation count.

Net Position

Net Position = Income PV + Current Assets − Debt PV − Expense PV

This is the core output of the model. It combines future income, existing assets, liabilities, and projected expenses into one financial position estimate.

Income Present Value

Income PV = Σ Projected Income_t / (1 + discount rate)^t

Future income is projected forward and discounted back to today to estimate its present value.

Debt Present Value

Debt PV = Payment × [1 − (1 + r)^−n] / r

Debt payments are discounted using a loan present value formula so liabilities can be compared against assets and income.

Financial Readiness Score

Score = Emergency Fund + Debt Health + Asset Strength + Goal Fit

The score converts the model output into a 100-point readiness measure across four financial categories.

Key Assumptions

Default discount rate: 5%, adjustable by the user
Default base income growth: 2%, adjustable by the user
Default expense growth / inflation rate: 2.5%, adjustable by the user
Default expected investment return: 6%, adjustable by the user
Default Monte Carlo simulation count: 1,000 trials, adjustable by the user
Emergency fund target: at least 3 months of expenses
High-interest credit card debt threshold: 15% APR
Sensitivity analysis is built around the user's selected discount rate and income growth assumptions
Monte Carlo simulation randomizes income growth, discount rate, investment return, and expense growth

Model Limitations

The model does not include taxes.
The model does not use live market, mortgage, or inflation data.
The model uses simplified assumptions for educational purposes.
The model does not replace a financial advisor.
The model does not provide legal, tax, investment, or financial advice.

Advanced Modeling Features

Sensitivity Analysis

The model tests how net position changes around the user's selected income growth and discount rate assumptions. This shows how sensitive the recommendation is to changes in core financial assumptions.

Monte Carlo Simulation

The model runs a user-selected number of randomized simulations by changing income growth, discount rate, investment return, and expense growth. The output shows probability of positive net position, downside case, median case, and upside case.