Ask My Money

Overview

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).

Ask My Money

What we're building: A polished, simple conversational household financial decision tool. Ordinary households ask real-life financial questions in plain language ("Can we afford a $75,000 kitchen remodel?") and get a clear, conversational answer grounded in their actual financial profile.

Core philosophy: AI explains. Math calculates. All financial calculations are deterministic and transparent — the AI never invents balances, rates, or results. A programmatic calculation engine produces the numbers and assumptions; the AI's only job is to interpret, explain, and surface tradeoffs.

What we're building

A web app where a user completes a short household financial profile (household, income, cash, debt, housing, investments, monthly spending), sees a clean financial snapshot, then asks questions in natural language and receives clear conversational answers — with the ability to change assumptions and immediately see how the answer changes.

Current phase — prototype shipped, listed for sale, observation window

The self-contained prototype is complete, packaged, and live, and is now being sold as a one-time asset on the cto.new marketplace.

The prototype (built & verified):

Landing page — "Your money has answers. Just ask." Deliberately not a bank/brokerage aesthetic.

Local/swappable data store pre-seeded with a realistic fictional household ("the Chens"), resettable in one click. No external database, no real personal or financial data stored — a deliberate, on-brand selling point.

7-step profile onboarding (pre-filled), and a clean financial snapshot dashboard with a large "What do you want to know?" input.

Five deterministic decision engines — Major Purchase, Mortgage, Vehicle, College Spending, Income Change — each computed programmatically and transparently.

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.

Built-in safety disclaimer (educational decision-support, not a financial adviser; no buy/sell advice).

Sale status: Listed on the marketplace at $2,000, Stripe connected, fully documented (README). The owner has set a 1–2 week observation window (through ~Sep 8, 2026) to watch for interest, then will review together whether to hold, lower the price, or take the listing down.

What we can and cannot observe: We have no listing view/impression metrics. We watch for real movement via the connected Stripe account (currently $0 balance, no transactions — the baseline) and any buyer inquiries the owner surfaces. No sale price or buyer is promised or predicted.

Deliberately not built (even as placeholders): any external database connection, real account/password storage, bank or brokerage connections, Plaid, trading, tax filing.

Intent: originally an MVP to test whether consumers find conversational financial decision-making useful; now being monetized as a one-time asset sale.

Overview

Mission

Ask My Money

What we're building

Current phase — prototype shipped, listed for sale, observation window

The team