The depth of a private wealth advisor, generated from last year's tax return.

Upload your Form 1040 and receive a clear, evidence-based plan in ten minutes. We'll analyze your unique situation and deliver a multi-year strategy. Uncover missed opportunities, protect yourself from risks, and plan for your future.

Start with your 1040See how it works

finever.ai provides educational tools, not legal or tax advice. Analysis is provided for informational purposes only. Always consult a licensed professional before acting.

Tax jurisdictions modeled
50+
Plan horizon
4–40 yrs
Cost vs. fee-only advisor
–95%
Coming soon

New capabilities shipping next are designed to deepen your planning and expose a 360-degree view.

Retirement contribution plan

Order Roth, pre-tax, and match to reduce lifetime tax drag.

Retirement readiness assessment

Stress-test savings rate, drawdown risk, and glidepath fit to your return.

Scenario modeling

Compare moves side-by-side before you commit — income shifts, deductions, timing.

Net worth projection

Forward view of balance sheet growth with conservative and stretch assumptions.

A plan, not just a budget tracker

Find the opportunities you've been missing

Too often, personal finance apps focus on budgeting and miss the bigger picture. Financial security requires planning for the long-term.

What you receive with finever.ai

Snapshot

Baseline Tax Position Report

See exactly where you stand now: AGI, taxable income, total tax, and your recent refund or tax due, with helpful references to your filed return.

Analysis

Tax Geometry Analysis

Clear interpretation of marginal and effective rates, bracket headroom, and timing levers that may reduce next-year liability.

Priorities

Opportunity Matrix

Get a ranked list of opportunities by estimated dollar impact, implementation effort, and confidence.

Analysis

Withholding optimization

Align withholding and estimated payments to your real liability so you reduce oversized refunds and avoid year-end surprises.

Priorities

HSA, 401(k), and Roth sequencing

Order of operations across pre-tax deferrals, employer match, Roth contributions, and HSAs to reduce lifetime tax drag.

Cadence

Tax-loss harvesting rhythm

A practical cadence for realizing losses and avoiding wash-sale pitfalls while staying invested toward your target allocation.

Execution

90-Day Action Plan

Move from insight to execution with a clear 90-day plan.

Delivery

CPA-ready monthly summary

A structured monthly report suitable for CPA and advisor review, with changes, assumptions, and open questions called out clearly.

Analysis

Charitable giving and bunching

Compare standard vs. itemized years and time donations to preserve deductibility without distorting cash flow.

Try it now

Your first plan, ready in about ten minutes.

Upload last year's federal return. We'll generate a structured planning report you can act on. See opportunities surfaced with citations back to your forms.

How it works

Three steps from a PDF on your desktop to a plan you can act on.

  1. 01

    Upload your 1040

    Provide your most recent federal return. Documents are stored in an encrypted environment with controlled access.

  2. 02

    We analyze your personal financial situation

    We carry out structured analysis, comparing your situation against a diverse collection of tax optimization strategies and best practices.

  3. 03

    Receive your strategic report

    Within ten minutes, finever.ai delivers a structured analysis with baseline position, tax geometry, and highest-impact opportunities.

Why finever.ai

More depth than tax software. Faster than traditional planning.

Capability
Mint / Copilot
TurboTax
finever.ai
Evidence-linked tax baseline (Form + line references)
No
Limited to filing workflow
Yes, line-level references throughout
Forward projection horizon
Short-term budgeting only
Current tax year focus
4-year tax strategy plus retirement runway
Opportunity prioritization
Generic alerts
Rule-based prompts
Estimated impact, effort, confidence, and timing
Advisor-ready plan artifact
No
No
Exportable report for CPA and advisor collaboration
Retirement account sequencingComing soon
Basic contribution reminders
Not central
Coordinated HSA, 401(k), Traditional/Roth IRA logic

Common questions

Frequently asked.

Do you file my taxes?
No. finever.ai is a planning system, not a tax preparer. Your output is structured so your CPA can file faster with clearer context.
What happens to my uploaded return?
Your return is stored in an encrypted environment with controlled access. You retain control over your data and may remove it when needed.
How is finever.ai different from TurboTax?
TurboTax is optimized for filing a specific season. finever.ai is designed for longitudinal planning: tax geometry, contribution sequencing, scenario analysis, and an opportunity matrix that can be executed over multiple quarters.
How accurate are your recommendations?
Recommendations are anchored to return evidence and clearly labeled as facts, estimates, assumptions, or unknowns. Each major item includes confidence and expected impact range.
Can this help if my income is variable or includes business activity?
Yes. We evaluate income composition across wages, business activity, investments, and other return-visible sources, then highlight concentration risk, estimated tax implications, and timing-sensitive planning decisions.
What do I need for a fuller plan after the initial report?
The initial report uses return data only. For deeper planning, we request a concise document set (for example pay stubs, account statements, and benefit elections) to refine projections and recommendation precision.