Find out how much you can actually invest.
Aivatar Finance is a personal money and investing coach for beginners. Tell it what comes in, what goes out, and how you think about risk. It tells you exactly how much you can deploy each month and what to do with it. Education-first; the AI plan and Coach chat are in Premium.
Start freeSee pricingWhat you get
Income minus categorized expenses gives you the one number that matters: what you can invest each month. From there, an archetype, a projection, and a step-by-step journey.
- Surplus, not net worth — Income minus 11 categorized expenses gives the monthly number that matters: what you can invest. No bank-account aggregation, no transaction ledger.
- Investor archetype — Ten questions place you in one of five archetypes (HODLer, Accumulator, Swing Trader, Active Trader, Hybrid) with a tagline you'll recognize.
- 30-year projection and goal targets — Watch your monthly contribution compound across 5, 10, 20, and 30 years at 5%, 7%, and 10%. Set a target from $50K to $1M and see when this pace gets you there.
- Premium AI plan and Coach chat — Specific tickers, target allocation, DCA cadence, and a weekly action card, plus a Perplexity-backed Coach chat that knows your cashflow and goals.
How it works
Four steps, about two minutes of input.
- Take the investor quiz — Ten questions on horizon, drawdown tolerance, and time spent on markets land you on one of five archetypes.
- Enter income and expenses — Total monthly income after taxes plus 11 expense categories. Estimates are fine, and you can re-edit anytime.
- See your dashboard — Surplus front and center, an expense donut, an archetype card, a projection chart with a goal picker, and a 5-step investment journey.
- Upgrade for the AI plan — Free covers archetype, projection, journey, and primer. Premium adds the personalized plan (tickers, allocation, DCA cadence) and the Coach chat.