Stop tracking the past. NAVIGATE your future.
Most money apps are rearview mirrors. Lodestar diagnoses your finances, hands you a prioritized plan with the dollar impact of every move, and lets you simulate decisions against a live net-worth forecast.
No bank credentials required to start · Education & tools, not advice.
Other apps look backward
Monarch, Rocket Money, and Mint show you budgets, categorized history, and what you already spent. Useful — but it is all behind you.
Lodestar looks forward
What to do next, ranked by dollar impact, and simulated against your future net worth — so today's decisions are made with tomorrow in view.
How it works
Connect or upload
Link accounts via Plaid or drop a statement. We never store your credentials, and uploaded files are read then discarded.
Get your diagnostic
We surface strengths, risks, and leaks across your finances — each one tagged with its dollar impact.
Navigate
Toggle recommended decisions and watch your forecast move, then act on a plan ranked by what matters most.
A live net-worth simulator
Pick the moves Lodestar recommends and watch your forecast change in real time — a solid “current” trajectory against a dashed “modeled” one, on an absolute-year axis. It is the moment your future stops feeling abstract.
Everything pointed forward
The tools that turn your numbers into your next move.
A prioritized action plan
Not a dashboard of the past — a ranked list of what to do next, each step tagged with its estimated dollar impact.
Rich what-if scenarios
Model concrete moves like “sell home → rental,” “rebalance,” or “cut expenses 15%” as toggles and watch the outcome.
Personal Alpha
Enter your job, age, and location, and surface specific opportunities you have an edge on that most people in your spot miss.
Goals-aware
Tell us your aim — preserve wealth, grow aggressively, retire by 55 — and the plan adapts to it.
Cash-flow & spending X-ray
Top categories, merchants, recurring charges, and fee leaks — the inputs that sharpen every recommendation.
Risk radar
Surfaces weak points and risks to your financial future, then recommends a clear fix-forward.
Benchmarks
See how you compare to similar anonymized profiles in your demographic — context, not comparison anxiety.
Periodic re-diagnosis
As your life changes, Lodestar re-checks your situation and nudges you on new opportunities.
Tax-smart (education)
Flags tax-saving angles to confirm with a CPA — education and pointers, never formal tax advice.
Bank-grade connection via Plaid — we never store your credentials.
Statements are processed, then the raw file is discarded.
Recommendations are never influenced by affiliate payouts.
Education and tools — not advice.
Simple, honest pricing
Start free. Upgrade only when the simulator earns it.
- Full diagnostic
- Net worth + cash-flow dashboard
- Top 3 prioritized moves
- Read-only forecast
- Everything in Free
- The full ranked action plan
- Live, interactive simulator
- Saved analyses
- A polished, shareable PDF
- Snapshot + forecast + findings
- Your full ranked moves
- Free for Plus members
Questions
Is Lodestar a financial advisor?
No — Lodestar is an educational planning tool and copilot, not an investment, tax, or legal adviser. You stay in control of every decision.
Do you store my bank login?
Never. Connections run through Plaid, so we don’t see or store your credentials. Uploaded statements are read for their figures and then discarded.
How is this different from Monarch or Rocket Money?
Those are backward-looking trackers — budgets and categorized history. Lodestar is forward-looking: a ranked action plan with dollar impact and a live net-worth simulator.
What does it cost?
Running a diagnostic is free. Plus is $14.99/mo for the full plan and interactive simulator. A one-time deep-dive report is $50.
Know your next best money move.
Run your free diagnosticOr join the waitlist for early access — no bank credentials required to start.