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THE PIVLYN PRODUCT

Your plan.
Down to the details.

Budgeting, financial planning, and tax planning.
From daily cash forecasts to year-by-year outcomes, see what your numbers can tell you.

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Built around your financial lifeOverview · Plan · Money · Tax

WHAT YOU CAN DO WITH PIVLYN

The details behind
your next decision.

From tomorrow’s cash balance to the tax cost of a future decision. Explore what you can track, project, and compare with your own numbers.

BUDGETING

Give your monthly income a plan.

Set category targets, compare your plan with actual spending, and see what is left. Keep fixed bills and flexible spending in view as the month changes.

  • Category budgets and rollover
  • Planned vs. actual spending
  • Fixed and flexible expenses

BILLS & SUBSCRIPTIONS

Catch the charges that keep coming.

Review subscriptions and bills detected in your transactions. Confirm the recurring payments, check the next dates, and see what they add up to each month.

  • Recurring-charge detection and review
  • Monthly subscription totals
  • Upcoming payments and amount changes

BALANCE FORECASTING

See your balance before payday.

Project daily cash balances around paydays, bills, and planned purchases. Look a month, 60 days, or 90 days ahead to see when money could get tight.

  • Daily projected balances
  • Paydays and bills on one calendar
  • One-off expenses and cash buffers

LESS-THAN-MONTHLY EXPENSES

Give the big bills a place, too.

Annual insurance, a trip, holiday spending. Set money aside in nonmonthly budget buckets so expenses that do not happen every month still belong in the plan.

  • Nonmonthly expense buckets
  • Targets and planned contributions
  • Spending and remaining balances

YEAR-BY-YEAR OUTCOMES

See where each year could leave you.

Follow income, spending, taxes, savings, and projected assets through the years. Open the annual detail to understand what is driving a change in your plan.

  • Annual income, spending, and taxes
  • Projected assets and net worth
  • Cash flow and potential shortfalls

RETIREMENT PLANNING

Put a retirement date to the test.

Compare retirement timing, contributions, and spending. Explore how your income and portfolio could support the years after work, with the assumptions in view.

  • Retirement age and spending scenarios
  • Social Security timing inputs
  • Portfolio withdrawals and funding gaps

GOALS & WHAT-IFS

Give your goals a funding plan.

Set an amount and a date, then work through the saving needed to get there. Compare priorities and contribution amounts when several goals share the same money.

  • Goal amounts, dates, and priorities
  • Recurring and one-time contributions
  • Funding pace and alternative scenarios

LIFE-EVENT PLANNING

Make room for what comes next.

Put a home, a child, a change in income, or retirement on your timeline. Model the costs and timing alongside the rest of your finances.

  • Home and family milestones
  • Changes in income and expenses
  • Effects across your annual projection

TAX PLANNING

Know what goes into your estimate.

Bring income, deductions, credits, and payments together. Review the projected tax calculation and the inputs behind it before deciding what to discuss with a professional.

  • Income, deductions, and credits
  • Estimated taxes and payments
  • Calculation details and visible assumptions

PAYCHECK & WITHHOLDING

See where your withholding stands.

Review paycheck earnings and year-to-date withholding. Project the year ahead, including more than one job, and explore what could remain due at year end.

  • Paycheck and year-to-date review
  • Multiple-job income projections
  • Withholding and estimated balance due

TAX SCENARIOS

Compare the tax side of a decision.

Explore changes to income, deductions, or contributions before making them. Save an alternative and compare its estimated tax result with your starting plan.

  • Saved what-if scenarios
  • Side-by-side tax comparisons
  • Changes in tax lines and total estimates

ACCOUNTS & NET WORTH

Start with the whole picture.

See what you own and owe across connected or manually entered accounts. Follow balance changes and net-worth trends before planning your next step.

  • Account balances and history
  • Cash, investments, assets, and debts
  • Net-worth trends over time
Try the interactive examples

Projections depend on your inputs and assumptions. Tax planning tools provide educational estimates and comparisons; tax filing and professional advice are not included.

GET A FEEL FOR IT

See. Analyze.
Plan ahead.

Explore the four workspaces below.
Change a scenario. Inspect a trend. Follow a number.

01 / OVERVIEW

Every account.
A clearer picture.

Track balances, investments, debts, and net worth. Explore changes over time.

Move across the chart.
See a moment in the household’s history.

Financial position
Net worth$812,360
Assets$1,024,800
Liabilities$212,440
12-month change+4.2%

02 / PLAN

What if you
changed the plan?

Follow your projected assets through the years. See the income, spending, taxes, and cash flow behind each point, including the transition into retirement.

Move across the years.
See what changes, including taxes.

Plan outcomesCurrent plan
Retirement 202620462066
Median25–75% range5–95% range
2046Age 65 · Retirement
Median projected assets$1,641,801
Income$58,990
Spending$137,644
Taxes$19,663
Net cash flow−$98,317
5th percentile$882,881
95th percentile$3,081,360

03 / MONEY

Your month.
From end to end.

Set category targets, review detected recurring charges, and plan for less frequent expenses. See projected daily balances around the payments on your calendar.

Move through the month.
Follow paydays, bills, and goal saving.

Your month, in motion03
Projected month-end balance$2,050
Day 30
Income $6,200Outflow $5,550Net change +$650
Day 1Day 15Day 30
Recurring each month$112

Music $12 · Internet $65 · Fitness $35

Opening balance $1,400. The chart connects planned income and payments.

04 / TAX

See the estimate.
Check the inputs.

Bring earnings, deductions, and withholding into your estimate. Save a different scenario and compare its tax effect with your starting plan.

Adjust planned withholding.
See what could remain at year end.

Tax picture04
Projected balance due$4,280
Starting estimate
Modeled annual tax$22,700
Planned payments$18,420
Additional withholding$0
Payments toward modeled tax81%

$4,280 remains after the planned payments.

Annual tax stays fixed. Extra withholding changes payments, not tax owed.

BUILT FOR PERSONAL FINANCE

The details matter.
So does your trust.

Explore security & privacy
01

Read-only connections

Pivlyn cannot move money or execute trades through your account connections.

02

Visible assumptions

Keep the inputs beside the result. Review the context behind an estimate before making a decision.

03

Your financial information stays personal

Personal financial information is not used for cross-context behavioral advertising.

YOUR NEXT STEP

Make the picture
your own.

Connect your accounts, build your budget, and save the scenarios you want to come back to. All the tools you’ve explored, in one membership.

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