Every Financial
Decision, Optimized.
Most finance apps tell you what happened. Lodestar tells you what to do next. Connect your accounts and receive a prioritized action plan with projected dollar impact for every recommendation.
An example household, not a promise — your own figures drive your trajectory.
Other Apps Look Backward
Budgets, categorized spending, and history. Useful — but it’s all behind you.
Lodestar Looks Forward
What to do next, ranked by dollar impact, simulated against your future net worth.
How It Works
Connect Your Accounts
Drop a statement or link accounts.
AI Analyzes Your Finances
Strengths, risks, and leaks — each with dollar impact.
Receive Your Action Plan
Ranked moves + live net-worth simulator.
- Move Chase cash balance into a high-yield savings account+$1,910earned per year at today's rates
- Increase 401(k) to 15%+$487,000by retirement
- Switch auto insurance$610saved per year
- Refinance student loan$13,000saved over the loan
Personal Action Plan +
Live Net-Worth Simulator
Toggle the moves Lodestar recommends and watch your forecast change in real time — a solid “with Lodestar” trajectory pulling away from the dashed “without” baseline. It is the moment your future stops feeling abstract.
Edges Only You Have
Generic tips are table stakes. Lodestar reads who you actually are — your job, employer benefits, age, location, and account structure — and surfaces the specific opportunities most people in your exact spot leave on the table — sized in dollars per year by the deterministic engine wherever the figure can be stated with confidence.
- ✦Your employer can pay $5,250 a year of tuition+$5,250/yr
- ✦Ask HR about a mega-backdoor Roth+$4,200/yr
- ✦Capture your full employer 401(k) match+$2,850/yr
- ✦HSA as a stealth retirement account+$1,240/yr
Concentration, diversification, cash drag, and mix — scored by the deterministic engine, not vibes.
Holding shares, an allocation read, and a Monte Carlo forecast built from your actual mix — plus a written review tuned to the goals you give it.
Is Your Portfolio Built Right?
Upload a brokerage, 401(k), or IRA statement and get a structural score out of 100, a plain-English review of your actual holdings, and a forecast built from your real mix — tuned to what the money is for. Statements are read and discarded, never stored.
Everything Pointed Forward
The tools that turn your numbers into your next move.
Financial Health Score
One 0–100 grade across cash flow, emergency fund, debt, retirement, diversification, and protection.
A Prioritized Action Plan
What to do next, ranked — every move tagged with its dollar impact.
Live What-If Simulator
Toggle moves, add your own events, and watch the forecast respond.
Cash-Flow & Spending X-Ray
Categories, merchants, subscriptions, and the fee leaks draining you.
Risk & Tax Radar
Weak points, plus tax angles sized to your bracket. Confirm with a CPA.
Open Dialog — Ask the AI
Ask why any number is what it is. It answers from your analysis.
Share It
Any analysis becomes a read-only link — dollar amounts hidden if you choose.
It Stays Current
Re-checks as your life changes, benchmarked against similar profiles.
How Lodestar Compares
Trackers show you the past. Lodestar prescribes what's next.
| Capability | Lodestar | Typical finance apps |
|---|---|---|
| Forward-looking — prescribes your next move | Backward-looking tracking | |
| Prioritized action plan with $ impact | — | |
| Live decision simulator on your net worth | — | |
| Monte Carlo forecast ranges | Retirement tools only | |
| Personalized Opportunities — situation-specific edges | — | |
| Written review of your actual holdings | Fee analyzers at best | |
| Try it without linking a bank | Statement upload | Bank link usually required |
| Subscription & bill cleanup | Flags the leaks | Varies by app |
| Price | Free · Command $14.99/mo or $149.99/yr | Free–$15/mo · some charge % of assets |
“Typical finance apps” describes the budgeting/tracking category broadly — named, tool-by-tool breakdowns live on the compare pages.
Simple, Honest Pricing
Start free. Upgrade only when the simulator earns it.
- One full analysis + one portfolio review (lifetime)
- Statement upload & manual entry — always free
- Financial Health Score & full diagnostic
- Net worth, spending & cash-flow dashboard
- Net-worth forecast with Monte Carlo range
- Top 3 ranked moves + 3 Personalized Opportunities — modeled live in the forecast
- Budgets, goals & account trackers
- 3 questions in Chat With Lodestar (lifetime)
- Share links & printable summary
7-day free trial · card required · Billed monthly · cancel anytime
- Everything in Free
- Live bank sync — accounts update automatically
- Unlimited analyses & portfolio reviews
- The full ranked plan + opportunity list, not just the top 3
- Live simulator + custom what-if events
- Unlimited AI chat + Open Dialog on your results
- The full tax strategy list (educational)
- Unlimited saved history + PDF deep-dive reports
- Market brief with news on your holdings
We never see or store bank credentials — bank sync runs through Plaid.
Statements are processed, then the raw file is discarded.
Recommendations are ranked by your dollar impact — affiliate payouts never influence them.
Education and tools — not advice.
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. Uploaded statements are read for their figures and then discarded. Automatic bank sync runs through Plaid — we still never see or store credentials.
How is this different from budgeting and tracking apps?
Most money apps are backward-looking — budgets and categorized history. Lodestar is forward-looking: a ranked action plan with dollar impact, plus a Live Net-Worth Simulator to test each move before you make it.
What does it cost?
Your first full analysis and first portfolio review are free with an account — and statement upload and manual entry are always free. Command is $14.99/mo (or $149.99/yr — $12.50/mo, saving $29.89 a year), with a 7-day free trial for first-time members (card required), and adds live bank sync plus unlimited runs, the full ranked plan, unlimited AI dialog, unlimited saved history and PDF reports, every tax strategy, and custom what-if events in the simulator.
Questions? Get In Touch.
Ask us anything about Lodestar — how it works, privacy, or your account. We read every message.