SEC-registered investment adviser

An AI Financial Planner that keeps you on track to your goals

It connects your net worth, savings, time horizon, and passive income to where you're trying to get, then shows what to change to get there faster.

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Flat fee
Read-only by default
You stay in control
Will I have enough to retire?How do I build a 6-month emergency fund?Can I afford a baby?When can I pay off my student loans?How much should I save each month? Will I have enough to retire?How do I build a 6-month emergency fund?Can I afford a baby?When can I pay off my student loans?How much should I save each month?
How much do I need for a $50k down payment?What happens if I lose my job?How long until I reach financial independence?Should I overpay my mortgage? How much do I need for a $50k down payment?What happens if I lose my job?How long until I reach financial independence?Should I overpay my mortgage?
How do I plan around an inheritance?Can I afford a career break?What are the different IRA types?How do I build my credit score? How do I plan around an inheritance?Can I afford a career break?What are the different IRA types?How do I build my credit score?
How do the latest tax changes impact my plan?Am I on track to my goals?How do I compare to the national average?How can I cut my monthly bills?How do I start investing? How do the latest tax changes impact my plan?Am I on track to my goals?How do I compare to the national average?How can I cut my monthly bills?How do I start investing?
8FIGURES app showing net worth and progress toward a financial goal
On trackGoal · age 54
Goal trajectory

Watch your net worth climb toward the goal

It projects where you're headed from your real holdings and savings rate, then shows the date you arrive, and the gap still to close.

Net worth projection Target $2.5M by 2041
Actual Projected Goal
$0 $1M $2M $2.5M Today 2026 2036 2041
Today
$1.73M
Projected 2041
$2.5M
Arrives
2041 · age 54
Built differently

Not just a chatbot.
A platform for financial decisions.

Your planner does not just answer one-off questions. It builds context, runs the numbers, and keeps the whole plan in one place, so every follow-up starts from what you have already shared.

It prompts you, not the other way around

It asks the right questions, guides you through them, and turns messy context into a plan.

It runs the numbers behind the scenes

A deterministic financial engine sits under every answer, projecting your real holdings forward.

It understands US finances

Built around US tax, 401(k)s, IRAs, and the rules that actually shape your plan.

It works in the background

It watches your plan, read-only, and surfaces the changes worth acting on, when they matter.

See how it works: Goal projection· Your plan in-app· How it works

From question to clear plan

Ask about a goal in plain language. The Planner reads your real picture, models your trajectory, and returns a specific answer for you to review.

1

You ask in plain language

“Can I afford a home in 3 years?” Typed in chat or tapped from a daily insight — no spreadsheets, no manual inputs.

2

It models your real trajectory

The Planner reads your connected accounts and projects them forward. The Risk Officer reviews the result independently.

3

You get one clear answer

A specific, data-backed read with the reasoning shown and the exact change to close any gap. You decide what to act on.

Financial Planner
Read-only
Can I afford a $120k home down payment in 3 years?
Analyzing your plan
Read 6 connected accounts
Modeled your 3-year trajectory
Reviewed by the Risk Officer
Close, not yet

At your current savings rate you reach about $104k by 2029 — a $16k gap.

Redirect $650/mo to savings and you're on track for the full $120k.

One specialist in your AI investment team

Five specialized AI agents review different parts of your financial picture, from company research to allocation, risk, tax considerations, and long-term planning.

Portfolio Manager

Reviews allocation and rebalancing priorities.

Research Analyst

Researches supported stocks and portfolio holdings.

Risk Officer

Reviews concentration and downside exposure.

Tax Advisor

Reviews tax considerations when relevant.
This page

Financial Planner

Tracks progress toward your goals.

See whether you're on track to your goals

A full investment team, on a flat fee, that answers only to you.

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FAQ

How does it know if I'm on track?+
It maps your net worth, savings rate, time horizon, and connected holdings to your stated goals, then reads whether you are ahead, on track, or behind, and shows the specific changes that would close any gap.
Can it plan for passive income?+
Yes. It maps the gap to a monthly passive-income target across dividends, bond coupons, interest, and rent, then lays out what would need to change to close it, a concrete number, not a vague suggestion to diversify.
How much passive income can I realistically build?+
It depends on your capital, savings rate, time horizon, and risk tolerance. The Financial Planner models realistic yields across dividends, coupons, interest, and rent, then shows the monthly income your plan is on track to reach and what it would take to close any gap.
Does 8FIGURES trade for me or manage my money?+
No. 8FIGURES is read-only by default, it cannot place trades or move your funds. The Financial Planner lays out a clear plan and explains the reasoning; you decide what to act on and place any trades yourself. You stay in control at every step.
How is this different from a robo-advisor?+
A robo-advisor takes custody of your money and puts it into its own funds. 8FIGURES never custodies your assets or steers you into proprietary products, it sees all your accounts together and gives transparent flat-fee advice you choose to act on.
Is my financial data safe?+
8FIGURES uses secure account connections and access controls to help protect your financial data, and it does not sell your financial data. For more detail, review the Security page and Privacy Policy.