Ask My Money is a complete, working conversational financial decision tool for ordinary households. People ask real-life money questions in plain language — "Can we afford a $75,000 kitchen remodel?" — and get a clear, conversational answer grounded in their own financial picture, with the tradeoffs made visible.
Our core philosophy: AI explains. Math calculates. Every number is produced by deterministic, transparent calculation engines. The conversational layer never invents a balance, rate, or result — it only interprets, explains, and surfaces tradeoffs. That separation is the architecture, and it's built in.
What's included:
Polished landing page — warm, trustworthy, deliberately not a bank/brokerage aesthetic.
7-step guided onboarding — household, income, cash, debt, housing, investments, monthly spending.
Financial snapshot dashboard — take-home, spending, surplus, cash, emergency fund, debt, equity, investments, net worth — with a big "What do you want to know?" input.
Five deterministic decision engines — Major Purchase, Mortgage, Vehicle, College Spending, Income Change.
Conversational answers — direct answer first, then why, key calculations, a "What changes if…" section that recalculates the whole answer live, and a "How we calculated this" transparency view (assumptions + plain-language formulas).
Fully self-contained — local store, fictional sample household, one-click reset to a clean seed. No external database, no bank connections, no third-party services. Runs with two commands.
Complete safety & compliance — built-in educational decision-support disclaimer; not a financial adviser; no buy/sell advice.
See it live → your money has answers. Just ask. — click through onboarding and ask any of the example questions to watch a full answer recalculate instantly.
https://160be33fe47f9d9bf678d0b091a9a3bc.ctonew.app
Fully documented in an extensive README (product, architecture, question pipeline, how to run & publish, customization, project structure).