These figures belong to a fictional demo household, not to you. Open the Financial Ledger to enter your own numbers.
Reference-library storage is at its limit, so new library uploads are paused. The rest of the app keeps working.
Your household snapshot
Hypothetical statistical range based on model assumptions — not a forecast or guarantee. Actual results will differ, possibly materially.
Command Center · Your Complete Household Balance Sheet
Net Worth & Asset-Class Allocation
Every cash account, retirement plan, stock lot, property, and loan you have entered, in one picture — what you own, what you owe, and how your investments are divided today.
Hypothetical model allocation for educational purposes only — not personalized investment advice. It does not consider your complete financial situation, objectives, or risk tolerance.
How Your Money Is Divided Across Asset Classes
Allocation Drift Alerts
Single-Stock Concentration
Tax Location Buckets
Tokenized Account & Holding Ledgers
Your Next Best Moves · Plain-English Guidance First
Your Personalized Priority Action Plan
Rule-based steps from your ledger, ordered by a standard priority ladder (high-interest debt → employer match → emergency fund → tax-advantaged room → taxable investing). Each card shows how its amount was estimated and links to primary sources under 🔬 Under the Hood.
BigMoney provides general information for educational purposes only — not investment, tax, or legal advice. Investing involves risk, including loss of principal.
Market & Rates Snapshot · U.S. Treasury Yields & Stock-Market Trend
Market & Rates Snapshot
Official U.S. Treasury yields and the trend of an S&P 500 index fund (SPY), with short factual observations computed from that data. BigMoney does not show news headlines because it has no licensed news feed.
Market and SEC filing data come from third-party sources, may be delayed, inaccurate, or incomplete, and are provided “as is” without warranty. Third-party names and trademarks belong to their owners; no affiliation or endorsement is implied.
Treasury Yields & Stock-Market Trend
Latest available official data · dates shown on each cardFinancial Ledger · Your Household Data
Holistic Financial Ledger & Data Sheet
Enter your income, cash & retirement accounts, stock/ETF tax lots, loans, real estate, and 529 college plans in one ledger. Saving a sheet recalculates every tab. Leave anything you don't know blank — blanks are shown as "needs input", never filled with assumed numbers.
General educational information only — not tax, legal, accounting, or financial-planning advice. Rules change and depend on your facts; consult a qualified CPA, enrolled agent, or attorney before acting.
Free public market-data feeds (may be delayed) · SEC filings · 4 rated model lenses + household fit
Multi-Source Stock Analysis & Portfolio Lab
Four rule-based model lenses (SEC-based valuation, realized risk, technical trend & volume, Elliott Wave & Fibonacci structure) plus an informational household fit, with the 5-step chain of thought, a 6M–10Y model distribution and automated data checks. Hypothetical model output — not a recommendation.
Automated, hypothetical model analysis for educational purposes only — not investment advice or a recommendation to buy, sell, or hold any security.
Market and SEC filing data come from third-party sources, may be delayed, inaccurate, or incomplete, and are provided “as is” without warranty. Third-party names and trademarks belong to their owners; no affiliation or endorsement is implied.
Your Tracked Stocks, Instant Symbol Lookup & Investment Timeframe
Click any stock pill or type any ticker symbol below to run a full deep dive (manage your owned tax lots in Financial Ledger)Model Lenses · Independent Scores (4 rated + household fit)
Click a lens card or sub-tab to show only that lensModel Fair Value (2-Stage DCF from SEC 10-K), Multiples, ROIC vs. Cost of Capital & Piotroski F-Score
SEC EDGAR filings · a model estimate, not a third-party ratingHeuristic Style Scores, Risk-Adjusted Returns over the Window & 95% VaR / CVaR
Realized over the analysis window · Benchmark: SPY on the same bar interval · risk-free rate from U.S. Treasury dataADX Trend Strength, Volume-Flow Indicators & Charts
Measured in the analysis window's bars · SMA 20/50/200, VWAP 20, CMF 20, volume profile over the window & Wilder RSI/MACDElliott Wave Count (Observed Pivots), Cardinal Rules, Fibonacci & Reference Levels
Price-structure levels, not forecasts · 3 cardinal rules · golden pocketPrice · Separated Analytical Overlay
Switch overlay mode to separate technical trend/volume profile from Elliott Wave/Fibonacci structure or reference levels
Sets the price history every indicator, score and projection input is calculated from. The SEC-based fair value does not change.
Entry, stop-loss, and target levels are mechanical model outputs, not trade recommendations or instructions. Prices can gap through any level, and you are solely responsible for your trading decisions.
RSI (14) · MACD (12/26/9) · measured in the analysis window's bars
Wilder RSI with trend-aware guide levels · MACD line, signal and histogram
Elliott Wave Count (Observed Pivots), Cardinal Rules, Fibonacci & Reference Levels
Price-structure levels, not forecasts · 3 cardinal rules · golden pocketEntry, stop-loss, and target levels are mechanical model outputs, not trade recommendations or instructions. Prices can gap through any level, and you are solely responsible for your trading decisions.
Elliott Wave · cardinal rules
Three rules every impulse must satisfyFibonacci geometry
Retracements from swing high · extensions from swing lowYour Position, IRC §1091 Wash-Sale Window & Account-Type Considerations
Uses the holdings in your Financial Ledger5-Step Chain-of-Thought · Rule-Based Reasoning Steps
5-Step Chain-of-Thought · Observation → Numbers → Inference → Verdict
Five rule-based steps — trend, momentum, volume confirmation, Fibonacci structure and wave count — each showing the numbers behind its reading for the active ticker.
Automated, hypothetical model analysis for educational purposes only — not investment advice or a recommendation to buy, sell, or hold any security.
Observation → Numbers → Inference → Verdict
Step 1 opens by default · click any step to inspect its numerical tableMulti-Horizon Trajectory · 6M · 1Y · 3Y · 5Y · 10Y Model Distribution
Multi-Horizon Trajectory · 6M · 1Y · 3Y · 5Y · 10Y (Model Median & 20th–80th Percentile)
A CAPM + lognormal model's median price and 20th–80th percentile range at five horizons, with mean and median returns. Hypothetical — not targets or forecasts.
Hypothetical statistical range based on model assumptions — not a forecast or guarantee. Actual results will differ, possibly materially.
6M · 1Y · 3Y · 5Y · 10Y (Median · 20th–80th Percentile)
Model distribution — not calibrated against realized outcomesModel price distribution (6 months to 10 years)
Shaded band = 20th–80th percentile · gold line = median · x-axis proportional to years
ReAct Verification · Mathematical & Cardinal-Rule Audit
ReAct Verification · Mathematical & Cardinal-Rule Verification
Automated checks on the inputs — live and agreeing price feeds, fresh history, SEC coverage and Elliott rule validity — that decide whether a model signal is shown.
Mathematical & Cardinal-Rule Verification
Blocking checks must pass before a model signal is shownOnes to Watch · Rules-Based Research Screen
Ones to Watch · Wave-Stage Discovery
Untracked stocks from a fixed large-cap list, ranked by a rules-based screen score (not a probability) — click + Track to analyze one above.
Screen results are generated automatically by a model and are not recommendations, endorsements, or solicitations to buy or sell any security.
Candidates Ranked by Screen Score (0–100, not a probability)
Click "+ Track" to add any candidate to your tracked set and run a full analysis aboveMulti-Asset Portfolio Optimizer · Exact 100.0% Weight Reconciliation
Multi-Stock Portfolio Optimizer (Up to 40 Tickers)
Up to 40 tickers → hypothetical, correlation-aware model weights that add up to 100.0%, with model return estimates and data-quality flags.
Hypothetical model allocation for educational purposes only — not personalized investment advice. It does not consider your complete financial situation, objectives, or risk tolerance.
Allocation weights
Sorted by weight · hover a bar for the quantitative profile
Allocation table
Considerations
Workspace 03 · Plain-English Family & Retirement Roadmap
Family & Retirement Planner
See a model estimate of when you could retire, how much employer 401(k) match and HSA room you may be leaving unused, and how any 529 college plans you entered are tracking — including the SECURE 2.0 529-to-Roth IRA rollover option (lifetime limit $35,000 per beneficiary).
General educational information only — not tax, legal, accounting, or financial-planning advice. Rules change and depend on your facts; consult a qualified CPA, enrolled agent, or attorney before acting.
Hypothetical statistical range based on model assumptions — not a forecast or guarantee. Actual results will differ, possibly materially.
Your Retirement Freedom & Coast-FIRE Timeline
Model estimate of when work could become optionalChildren's 529 College Savings & Tax-Free Roth Rollover
Projected tuition coverage (model) + SECURE 2.0 529-to-Roth IRA rollover (lifetime limit $35,000 per beneficiary)Priority Order for Tax-Free & Matched Retirement Accounts
A commonly used order — employer match first, then tax-advantaged accounts (educational, not advice)Family Estate & Liability Protection Checklist
Simple steps to protect your family's home, accounts, and beneficiariesWorkspace 04 · Plain-English Tax Strategy Explainers
Tax Strategies to Review
Each strategy below is based on a specific provision of U.S. tax law, explained in plain English first. Whether it applies depends on your facts: every card shows an eligibility status, and its 🔬 Under the Hood drawer lists the code section, assumptions and math. Review with a CPA or tax attorney before acting.
General educational information only — not tax, legal, accounting, or financial-planning advice. Rules change and depend on your facts; consult a qualified CPA, enrolled agent, or attorney before acting.
Your Federal + Residence-State Tax Picture
Your Tax Rates, Tax-Loss Harvesting & After-Tax Cash Yields
Estimated federal rates and your residence state's rates (where that state is modeled), stock lots with unrealized losses that may be harvestable, and how Treasury bill and savings yields compare after tax.
General educational information only — not tax, legal, accounting, or financial-planning advice. Rules change and depend on your facts; consult a qualified CPA, enrolled agent, or attorney before acting.
Your Tax Rates at a Glance
Step-by-Step Tax Moves for Your Accounts
Tax-Loss Harvesting · Lots With Unrealized Losses
Residence State Statutory Profile
Municipal Bond vs. U.S. T-Bill vs. HYSA After-Tax Yield
Account Tax-Shelter Contribution Pacing
Year-to-date contributions against annual IRS limitsWorkspace 05 · Reference Library Lookup (keyword search, no AI model)
Search the Reference Library
Ask a personal-finance, tax, debt, retirement, 529, or investing question. BigMoney matches your words against its library of short, BigMoney-written summaries of IRS, SEC, CFPB, SSA, and state tax-agency guidance and links each match to the primary source so you can read the original.
Reference-library answers are BigMoney-written summaries matched to your question by keyword — not AI-generated and not financial, tax, or legal advice. They may be inaccurate, incomplete, or outdated; verify with the linked primary source and consult a licensed professional before acting.
Cash Flow, Debt Freedom & 10-Year Life Event Simulator
Monthly Cash Flow, Debt Payoff & 10-Year What-If Simulator
Estimate your monthly cash flow, compare debt-payoff orders (avalanche vs. snowball), and test how moving states or saving more might change a hypothetical 10-year projection.
General educational information only — not tax, legal, accounting, or financial-planning advice. Rules change and depend on your facts; consult a qualified CPA, enrolled agent, or attorney before acting.
Hypothetical statistical range based on model assumptions — not a forecast or guarantee. Actual results will differ, possibly materially.