Withholding checkup for RSU earners
RSUs are withheld at 22%. You are probably taxed at 32% or more.
The difference shows up as a surprise bill in April — often with a penalty on top. Wealth Navigator reads your paystubs, finds the exact federal and California shortfall, and gives you the number to put on your W-4 and DE-4. It runs on your own computer; we never see your data.
The free check takes a minute and runs entirely in your browser; the detailed calculator runs the app's own tax engine there too. The app does the full job from your actual paystubs, vests, and prior-year return.
Withholding verdict
Federal and California, from a paystub upload or a few YTD boxes. Safe-harbor floor or zero-balance target, a per-paycheck W-4 4(c) and DE-4 amount for the periods left, and the exact Form 2210 / FTB 5805 penalty if you do nothing.
Capital gains done right
Import Schwab and E*Trade activity into real tax lots, scan for wash sales across every account, and export Form 8949 as TXF or CSV for your preparer.
Cash flow & "wealth in days"
A forward cash-gap forecast, a spending plan built from your recurring bills, and one number — how many days your money lasts without a paycheck.
What-if before you commit
Sell or donate a lot, exercise ISOs (with the AMT row), convert to Roth, raise withholding, take a bonus — and see the tax and cash effect side by side.
Tax documents in one place
Import W-2, 1099-INT/DIV/R, Form 3922, and K-1 PDFs; a per-year checklist shows what is still missing before you file.
Household, on your terms
Share chosen sections with a partner; private sections stay private. Pair a new device with a short code, and revoke a lost one.
Privacy is the architecture, not a setting
We never ask for your email or phone. You pick a username and password — that's it. They unlock access to your encrypted file, but not to its contents: the server stores only an opaque, encrypted blob it cannot read.
Two independent secrets keep it that way. Your password gets the locked box from the server; a separate key, which never leaves your device, opens it. Tax math and every recommendation run on your device — nothing about your finances is computed on ours.
Because there's no email reset, you set recovery codes when you create your vault — and households can recover for each other. How the vault works.
Not built yet
Retirement projection, estate planning, and tax-loss harvesting are on the roadmap, not in the app. We say so here so you never pay for a promise: the app is free, and Plus covers only what already works.
The Wealth Manual
A practical, privacy-first field guide to taxes, investing, retirement, and estate planning for everyday households.