Your money is complicated.Your next move shouldn’t be.

Tobi is built for people who want to make real financial progress—without living in spreadsheets or getting generic advice. It’s especially helpful if you want a clear, step-by-step path that’s grounded in your actual numbers.

Tobi’s interface is designed around a set of interactive Smart Cards^™—focused, topic-specific views (like Cash, Debt, Retirement, and Investments) that organize your data and surface the next best action. Tobi is designed to grow with you—from foundational guidance to more advanced planning as your finances get more complex. And if you Play Your Cards Right^®, you move up the 10 Levels of Financial Wellness.

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  You want clarity on what to do next. Smart Cards^™ surface the highest-leverage actions in a sensible order.
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  You want momentum, not overwhelm. Levels turn big goals into smaller milestones you can actually complete.
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  You want guidance that reflects your real situation. Link accounts for the most accurate insights, or enter balances manually when needed.
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  You want to explore “what-if” scenarios. Tobi uses calculators and tax-aware models to run projections and tradeoffs—not guesswork.
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  You're pursuing FIRE or early retirement. Tobi tracks your savings rate, projects when you can make work optional, and adjusts guidance as you progress.

Tobi runs on a rules-driven financial system. The best part is that we designed it to surface insights without relying on AI at all, and the proprietary rules and calculators are the brain behind the math. And if you ask a question, Tobi uses AI to interpret your question, ask for missing details, and explain results in plain English.

This means that when you ask something that requires real math, the AI doesn’t “guess” the answer from a prompt. Instead, it orchestrates 70+ built-in tools and calculators to run real calculations, forecasts, and projections (including what-if scenarios) against your data.

You can’t prompt your way to financial independence. A chatbot only answers what you think to ask—and you can only ask about what you already know you don’t know.

There’s a math problem, too: an LLM (large language model), like ChatGPT, is great at interpreting results, but isn't reliable for computing them—especially when the math gets complex. And even when a chatbot can see your accounts, it still answers from probability: ask the same question twice and the numbers can drift.

Tobi works differently. It analyzes your full picture 24/7 with deterministic calculations—real math from 70+ built-in calculators and tax-aware models, not LLM math—and reserves AI for what it’s best at: interpreting your questions and having a natural follow-up conversation about what it all means. In fact, you can use most of the app without relying on AI at all.

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  Tobi is grounded in your real numbers. You don’t have to hunt for accounts, paste balances, or keep everything updated.
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  Tobi uses real calculations. Tobi can call 70+ built-in tools and calculators, so results are consistent and auditably derived.
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  Tobi uses adaptive reasoning. Depending on what you ask, Tobi can use a faster or deeper reasoning mode to balance speed with careful analysis.
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  Tobi is designed for dependable guidance. Tobi is financial guidance with guardrails: clear assumptions, repeatable outputs, and fewer surprises.
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  Tobi drives confidence through transparency. Tobi can show the inputs used and assumptions—so you can sanity-check quickly instead of wondering what was assumed.
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  Tobi is proactive. Tobi can surface what needs your attention without you asking—bridging the gap between “you don’t know what you don’t know” and “you don’t know to ask.”
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  Tobi is faster to get to a useful answer. Instead of a 10–20 minute back-and-forth plus hunting down numbers, Tobi aims for connect → ask → get an answer that already reflects your situation.
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  Tobi turns advice into next steps. Not just an explanation—clear actions in a sensible order, powered by proprietary prioritization logic designed by a team of financial advisors.
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  Tobi keeps continuity over time. Your goals and context carry forward, so guidance compounds instead of resetting.

Yes! Tobi is built for people who want to make work optional—whether that's at 65 or 45. Set your target retirement age, and Tobi will project whether you're on track based on your real accounts, contributions, and spending.

Tobi tracks your savings rate across all accounts (401k, IRA, brokerage, and more), runs what-if scenarios, and even accounts for early withdrawal penalties and tax-aware withdrawals. If you're already sustainable—"Coast FIRE"—Tobi recognizes it and adjusts your guidance accordingly.

It depends on your situation—and Tobi does the math for you. Tobi's prioritization engine compares your debt interest rates against expected investment returns (tax-adjusted) and tells you where your next dollar should go.

The general order: starter emergency fund → credit card payoff → get employer match (if any) → tackle remaining high-interest debt → build additional cash reserves → max out tax-advantaged accounts → tackle remaining debt that exceeds the expected rate of return on your investments → ramp up your non-retirement investments. But Tobi personalizes it based on your actual rates, balances, and goals.