ROTH CONVERSION OPTIMIZER ◆ HISTORICAL BOOTSTRAP MONTE CARLO ◆ 1031 EXCHANGE MODELER ◆ PAL TRACKING ◆ IRMAA CLIFF DETECTION ◆ SS TAX TORPEDO ◆ THREE-BUCKET WITHDRAWAL SEQUENCING ◆ COMMERCIAL PROPERTY ANALYZER ◆ AI FINANCIAL AGENT ◆ ROTH CONVERSION OPTIMIZER ◆ HISTORICAL BOOTSTRAP MONTE CARLO ◆ 1031 EXCHANGE MODELER ◆ PAL TRACKING ◆ IRMAA CLIFF DETECTION ◆ SS TAX TORPEDO ◆ THREE-BUCKET WITHDRAWAL SEQUENCING ◆ COMMERCIAL PROPERTY ANALYZER ◆ AI FINANCIAL AGENT ◆

Launching 2026 · Built by a CFO

The Bloomberg Terminal for the DIY Millionaire

Financial planning software built for the investor who has outgrown basic apps. Deep real estate modeling. Institutional-grade tax intelligence. Monte Carlo retirement simulation. At $149–$349/year instead of $5,000.

No spam. No credit card. Notified at launch.

CLEARAXIS CFO | RETIREMENT ANALYSIS | LIVE SESSION

Monte Carlo Success Rate

91.4%

↑ +3.2% after Roth conversion

Roth Conversion Room

$47,200

Saves ~$9,400 lifetime tax

Net Worth

$3.82M

↑ $284K YTD

RE Equity + 1031 Deferred

$1.14M

$218K shadow liability

IRMAA Exposure (2-yr lookback) $14,200 from cliff

PAL Carryforward (all properties) $67,400 tax asset

SS Claiming — Age 70 vs 67 +$142,800 lifetime value

RMD Tax Spike at 73 $28,400 — convert now

      AI AGENT READY
    

Built
by a
CFO.

ClearAxis CFO was built by a Chief Financial Officer managing five legal entities, commercial real estate, multiple brokerage accounts, and a complex tax picture — who got tired of paying $5,000/year for software that didn't understand passive activity losses, 1031 exchanges, or the SS Tax Torpedo.

This isn't a budgeting app. It's the financial planning software a CFO would build for himself — and then decided to share with people who actually need it.

What It Does

10 engines

Engine 01

Monte Carlo Retirement Simulation

Historical block-bootstrap simulation (10,000 iterations). Stress tests against the Great Depression, 1970s stagflation, and the 2000s double crash. FRED API for live return assumptions.

Engine 02

Retirement Income Waterfall

Three-bucket withdrawal sequencing (taxable → traditional → Roth). Dynamic SS Tax Torpedo calculation. RMD gross-up. IRMAA cliff detection with 2-year lookback. State tax layer.

Engine 03

Tax Intelligence Layer

LTCG stacking on ordinary income (real 0%/15%/20% rates, not a flat 15%). Roth conversion optimizer. Tax-loss harvesting scanner. IRMAA exposure projector. RMD projector with spike visualization.

Engine 04

Real Estate + 1031 Modeler

PAL tracking per property (IRC §469). 1031 exchange three-scenario comparison (sell outright / exchange / exchange with boot). IRC §469(g) full disposition trigger. MACRS depreciation. Cost seg inputs.

Engine 05

Commercial Property Analyzer

Work backwards from target income to required property. DSCR by lender type (conventional, life company, debt fund, credit union). After-tax cash flow by market. Balloon risk modeling.

Engine 06

Social Security PIA Calculator

Actual SSA bend-point formula with 2026 wage base caps enforced. Claiming scenarios ages 62–70. Breakeven analysis. Spousal benefit. Feeds directly into retirement waterfall.

Engine 07

AI Financial Agent

Ask questions about your actual data. The agent calls the engines and explains results — it never invents numbers. Creates named scenarios on request. Searchable conversation history.

Engine 08

Cash Flow Budgeting

3-month rolling averages by category. Budget vs. actual. Quicken import with category auto-mapping. The killer feature: see how cutting spending in any category changes your Monte Carlo success rate.

Engine 09

Actionable Plan Generator

Analyzes your complete financial picture and generates a sequenced, prioritized checklist — IRMAA cliffs, Roth windows, TLH opportunities, RMD deadlines — with dollar impact for each action.

How It Compares

Feature	Monarch / YNAB	ProjectionLab / Boldin	Range ($5,000/yr)	ClearAxis CFO
Monte Carlo Simulation	✗	✓ Basic	✓	✓ Historical bootstrap + stress tests
Three-Bucket Withdrawal Sequencing	✗	Partial	✓	✓ + state tax + RMD gross-up
Roth Conversion Optimizer	✗	✓	✓	✓ + IRMAA + SS Torpedo awareness
1031 Exchange Modeling	✗	✗	✗	✓ Three-scenario + PAL treatment
PAL Tracking (IRC §469)	✗	✗	✗	✓ Per-property + §469(g) trigger
Commercial Property Analyzer	✗	✗	✗	✓ DSCR + down payment sourcing
LTCG Stacking (real 0%/15%/20%)	✗	Estimated	✓	✓ Dynamic stacking + NIIT
AI Conversational Agent	✗	✗	✓ Rai (advisor-trained)	✓ Engine-grounded, no hallucinations
Human CFP/CPA Team	✗	✗	✓ Core feature	✗ By design — self-serve only
Annual Price	$100	$129–$144	$2,655–$8,955	$149–$349

Who It's For

The Complex Real Estate Investor

You own rental properties, have run a 1031 exchange or are considering one, track passive activity losses, and your CPA charges you extra because your tax return is complicated. No planning tool has ever understood your situation.

The High-Income DIY Planner

You're in ChubbyFIRE or FatFIRE territory ($2M–$10M), you understand what IRMAA is and why it matters, and you want to do your own Roth conversion math without paying an advisor $5,000/year to do it for you.

The CFO-Minded Individual

You run your personal finances like a business — scenario modeling, budget variance, exception flagging. You want a dashboard that looks like Bloomberg, not a consumer budgeting app designed for 22-year-olds.

Pricing

Waitlist members get 40% off launch pricing

Pro Tier

$149

per year · billed annually

Net worth tracking + portfolio analysis
Monte Carlo — historical bootstrap, 10K iterations
Retirement waterfall — three-bucket sequencing, RMD, IRMAA
Social Security PIA calculator — all claiming scenarios
Cash flow budgeting + Quicken import
Actionable plan generator

Waitlist price: $89/year

The Bloomberg Terminal for the DIY Millionaire

Stop leaving money on the table.