For couples and young professional households
Stop managing money in pieces. See one clear plan.
Turn your balances, spending, investing, and retirement assumptions into a practical household picture in about three minutes—without connecting a bank.
- No bank login required
- Useful before account creation
- Educational—not sales advice
Your household plan
ONE CLEAR VIEW
Know where you stand.
Net worth, monthly direction, and the future path—working from the same numbers.
Private starting pointYour numbers stay in your browser unless you choose to create an account.
You have income, savings, retirement accounts, debt, and good intentions.
What you may not have is one shared answer to: “Are we actually on track?”Three minutes to clarity
A useful first plan before the product asks for commitment.
Start with estimates. Refine the details only when the first picture proves useful.
Add the few numbers that matter
Current balances, debt, monthly income, spending, and investing. No statement gathering required.
See today and the longer view
Understand net worth, monthly direction, and an inflation-adjusted projection using transparent assumptions.
Close the month together
Return monthly, confirm what changed, and leave with one action instead of another spreadsheet.
Built for the whole picture
Budgeting tells you what happened. A plan tells you what it means.
Siegel Financial connects everyday decisions to net worth and the future without pretending a projection is a promise.
One household view
Put assets, debts, spending, income, and investing in one understandable place.
Today-dollar projections
See nominal return minus your separate inflation assumption, clearly labeled.
A monthly habit
Refresh balances, log reality, and compare the month with the plan in a few focused steps.
Private by design
Start locally, export your data, and choose whether to sync or connect institutions.
Trust before automation
Use it manually. Connect only when the value is clear.
The free plan works without a bank connection. If you later choose Premium, institution access is read-only through Plaid and payments are handled by Stripe.
- Local-first optionUse the planning dashboard without creating an account.
- Your credentials stay separateSiegel Financial does not receive the bank password entered in Plaid Link or full card details entered in Stripe.
- You control the exitExport a backup, disconnect institutions, manage billing, or delete your account.
Built by Adam Siegel
I wanted the answer to feel clearer than the spreadsheet.
Siegel Financial is designed to help people understand their own numbers, have better household conversations, and make the next decision with more context. It is an educational planning tool—not financial, investment, tax, or legal advice.
Ask Adam a product question →Straight answers
Before you put numbers into any financial tool.
Do I have to connect a bank?
No. The complete manual planning experience works without a bank login. Institution connections are optional Premium features.
Is this financial advice?
No. Siegel Financial is an educational planning tool. It does not recommend securities, provide tax or legal instructions, or promise an outcome.
Are projections guaranteed?
No. Projections are estimates based on the numbers and assumptions you enter. The app separates nominal returns and inflation so the today-dollar math stays visible.
Can I use it with a partner?
You can build and review one household plan together today. Dedicated partner invitations and collaboration are planned, but are not yet part of the current offer.
Can I cancel Premium?
Yes. Paid members can open Stripe’s billing portal from the Connected area to manage or cancel the membership.
What happens to my data?
You can use local-only mode, export a backup, disconnect institutions, or delete your account. Read the full Privacy Policy before connecting anything.
Your first useful answer is free
See the plan before you decide whether to keep it.
Use estimates, get the picture, and refine only what matters.