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Preso
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Retirement & financial planning

Your retirement plan, built from what you actually spend

Preso projects your cash flow, net worth, and retirement month by month from your linked accounts — then lets you test what-ifs, model two retirement dates, and see a range of outcomes instead of a single line.

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Projected from your real life

The projection starts from your detected income, recurring bills, and actual spending averages — not numbers you type into a calculator. Every assumption is visible and adjustable.

Goals that know if you’re on track

Set a target amount and date. Preso computes On Track, At Risk, or Achieved from the same projection — and tells you what to add per month to stay on course.

Your whole balance sheet

Net worth projected month by month from real balances — investment accounts with your actual stock and bond mix, loans, and your home if you add it.

Two people, two retirement dates

Model a married household: each person’s own retirement date, spouse income that stops on its own schedule, joint filing, and an estimate of a spousal Social Security benefit.

A range, not a single line

Run the same plan across hundreds of market paths and see the spread: a high, middle, and low path, and how the timing of running low moves between them.

Change any assumption

Retirement age, how fast you assume your investments grow, what you expect to spend, which accounts you draw from first — change any of them and watch the projection move.

How it works

  1. 1

    Link your accounts — Preso detects income, bills, and spending patterns.

  2. 2

    Review the projection and tune any assumption you disagree with.

  3. 3

    Test what-if scenarios, model your retirement dates, and set savings goals.

Frequently asked questions

Where do the projection numbers come from?

From your linked accounts: detected income streams, recurring bills, average variable spending over up to two years, real balances, and loan interest. You can override any detected value, and reset it back to detected anytime.

Can I test decisions before making them?

Yes — what-if scenarios layer changes on your baseline: a one-time expense, an income change, extra debt payments, or moving cash to savings. You see the scenario and baseline side by side, with the difference at your horizon.

Can it model a couple?

Yes — set the household to married filing jointly and each person gets their own birth year and retirement date, so one salary can stop years before the other. Accounts are tagged to whoever owns them, and Preso estimates a spousal Social Security benefit alongside your own. You can also test a survivor scenario, which stays off unless you enter an age.

Does Preso give me a probability of success?

No. Preso runs your plan across hundreds of market paths and shows the range — a high, middle, and low path, plus how the timing of running low shifts across them. A single percentage hides the assumptions that produced it, so you see the spread and the inputs instead of a score.

Are these projections guarantees?

No — they’re hypothetical illustrations built from your data and stated assumptions, shown with a range for variable spending. They’re educational, not financial, tax, or investment advice.

Explore more of Preso

Custom CategoriesMake every transaction land in the right categoryAI Budget InsightsA financial analyst that has actually read your transactionsSpending TrackerKnow where every dollar goes — without a spreadsheet

See your money clearly in about two minutes

Link your accounts once — Preso does the rest, automatically.

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