See your whole financial future as one living line. And take command of it.
Throughline turns your real data into a living, whole-life plan. See the age you become work-optional (the age you could stop working if you chose), understand the moves most tools skip, and watch your future change as you change what you do. Start free.
Full sign-up opens as we complete launch. For now, explore real demo lives.
Throughline is for everyone. Whether you are living paycheck to paycheck or managing tens of millions, you deserve to see your whole financial life, understand what you might be missing, and get real help pursuing what matters to you. Every person is equal here. Every goal is equal here. And for those who need it most, it is free.
Visibility
See it all, and see the future.
Most people have never once seen their whole financial picture, let alone their future. Throughline draws it as a single continuous line: where you are, the age you become work-optional, whether the money lasts, and what is coming. Clarity where there was fog.
The Lifeline view, with your work-optional age and a confidence level.
The daily Steward
A steward that watches your plan every day.
A map you look at once goes stale. Throughline includes a daily steward, an agent that watches your plan for you, notices what changed, and surfaces the one thing that needs your attention. It never nags. It is the difference between a snapshot and a hand on the tiller.
Insight
The moves most tools skip.
Budgeting apps stop at last month. Throughline goes where the real money is: multi-year tax planning, estate exposure, your business and its sale, your equity compensation, and whether to move. All worked out from your own data, not from forms you fill in. The kind of thing a good advisor would tell you, without the gatekeeping.
Command
See the future, and steer it.
Move a few key levers and watch your entire future move. This is the moment it becomes yours: not a report you receive, but a wheel you steer. Change nothing, take the certain wins, or make the big moves, and see exactly what each does.
Neutrality
On your side, always.
Throughline does not sell your data and does not funnel you into products. When it points you toward a move, it is never secretly selling you something. In a field full of conflicted models, being genuinely on your side is rare, and it is the whole point.
Better than what you are using now.
Trackers show last month. Do-it-yourself models go stale the day you build them. Advisor tools are powerful but locked away and expensive. Throughline is the only one that is living, deep, built from your data, and on your side, all at once.
What you get
Trackers
DIY models
Advisor tools
Throughline
Living and current
Yes
No
Partly
Yes
Whole-life depth (tax, estate, equity, business)
No
Partly
Yes
Yes
Built from your data, not forms
Yes
No
No
Yes
On your side, not selling you
Varies
Yes
Varies
Yes
For everyone, free to see
No
Yes
No
Yes
The founder's story
Throughline began with a personal decision: a life with less income and more happiness, and the need to be sure it would work. After years of mapping that future by hand, in spreadsheets and manual calculations, the founder turned those models into personal freedom, and then into Throughline, so anyone can import their data and find their answer in minutes.
Knowing you are going to be okay should not be a luxury.
Throughline provides information to help you plan, not personalized financial advice. Bring what you learn to a professional.
Your plan builds itself from your data. You choose how it gets in.
No long questionnaires. Connect, bring, or enter your data, and Throughline assembles your whole picture and keeps it current.
1
Bring life data
Connect, import, or enter it once.
2
See it
Your whole future, drawn as one living line.
3
Steer it
Move a few levers and watch it change.
4
Manage it
Your daily Steward keeps it true and tells you what needs you.
The four ways your data gets in
Managed, one click
Connect your accounts and Throughline keeps them current for you. The easy path.
Bring your own pipe, most private
Use your own data feed that syncs into your own spreadsheet, and Throughline reads it. Your data stays in your account, and this path costs the company almost nothing, which is part of how the free tier stays free.
Manual or file
Enter or upload what you have. Nothing to connect. A first-class path, not a lesser one.
Through your firm
If you are served by an advisory firm on Throughline, your plan is built from the firm's systems, with your consent, and you can revoke access in one step.
What Throughline is doing under the surface
One picture from many sources
Throughline reconciles every account into a single, current view, and records where each number came from, so nothing is guessed and you can always see the source.
Your whole life, projected
From that picture it projects your finances across your whole life, finds the age you become work-optional, and tests whether the money lasts, updating on its own as your data changes.
Three paths, always
Every plan shows three: change nothing, take the certain wins like spending, tax, savings and a domestic move, or make the big moves like your equity, an international move, and high-leverage tax. You see exactly what each one does to your future.
The deep work, from your data
Multi-year tax, estate exposure, your business and its sale, your equity compensation, and whether to move, all worked out from your own numbers rather than a questionnaire.
A steward every day
An agent re-checks your plan each day, surfaces the one thing that needs your attention, and stays quiet the rest of the time. A hand on the tiller, not another feed.
You can see the work
Every figure traces back to your data and the assumptions behind it, so you can trust what you see and bring it to a professional with confidence.
However you use it, you remain in control. Always.
For people
It works for you, and only you.
You bring your data, see your whole life as one line, and steer it yourself. No product is ever pushed, your data is never sold, and you are handed to a professional only when you ask or clearly need one.
For advisors
Shared, on your terms.
If your firm uses Throughline, the same living plan is shared with your advisor, with your consent, scoped to exactly what you allow, and revocable in one step. They see a summary and can propose a move. They never execute. You stay at the controls.
For both
Together, without losing control.
Used together it is one shared plan: your advisor proposes, you approve, and tasks are visible to you both. If you ever part ways, your plan stays yours and their access ends. Collaboration, with you still holding the wheel.
You are always in control. Your data is never sold. Handoffs happen only when you have an advisor you want to collaborate with, or need one.
What it is worth, in practice
For you
See the age you become work-optional, and pull it years earlier by capturing your full match.
Catch a Roth conversion window in a low-income year before it closes.
Learn your estate could cross the shelter, years before it would matter.
Model whether moving, at home or abroad, changes your whole timeline.
For your advisor
See the unactioned tax, estate, and equity value sitting across the whole book.
Walk into every review with the brief already written.
Spot a client drifting off plan before they go quiet.
Hand a decision packet to a specialist with the analysis already done.
For the two of you
Your advisor proposes a move, you approve it in a tap, and it becomes a shared task.
Ask a question about any flag and route it straight to your advisor.
A clean, two-sided annual review neither of you has to prepare from scratch.
If you ever part ways, you keep the plan and their access ends.
The few that matter most
Your work-optional age, and how to move it
Throughline finds the age you could stop working and shows, in years and in dollars, what each move does to it. For most people it is the number they have never once seen.
A steward that watches every day
An agent re-derives your plan daily, notices what changed, and surfaces the single thing that needs you. Quiet the rest of the time, anti-nag by design.
The depth of a great advisor, from your data
Multi-year tax, estate, equity, your business, and whether to move, all worked out from your own numbers rather than a form you fill in.
Everything Throughline can do
Thorough by design. The essentials go deep; here is the full range, grouped.
For you
Your whole net worth and cash flow in one current picture
The age you become work-optional, and whether the money lasts
Three paths: change nothing, the certain wins, the big moves
Multi-year tax planning and contribution timing
Estate exposure, years before it matters
Your business and its sale
Your equity compensation and vesting
Whether to move, at home or abroad
A recovery plan if you fall behind
A personal stress test for market and rate shocks
Concentration and liquidity warnings
Household planning for couples and dependents
A daily steward that surfaces the one thing that needs you
Every figure traceable back to your data
For your advisor
One view of the opportunity across your whole book
Who is drifting off plan, and who has an unaddressed decision
A written brief before every review
Book-wide stress tests and risk reviews
Cross-client windows, one campaign instead of many
Decision packets, agendas, and shareable reports in a click
A fiduciary audit trail of what was surfaced and actioned
Revenue-at-risk and value-delivered reporting
Warm handoffs to specialists with the analysis done
Capacity and workload balancing across advisors
Together
Consent you control, scoped and revocable in one step
Your advisor proposes, you approve; they never execute
Shared action items visible to you both
Ask a question about any flag, routed to your advisor
A two-sided annual review neither prepares from scratch
If you part ways, you keep the plan and their access ends
What the Steward watches, daily
Plan drift and milestones
New opportunities and their windows
Tax and contribution timing
Estate thresholds
Equity and grant events
Confidence and risk changes
Wins worth noticing
Reviews and deadlines coming up
What you can tune
How often it speaks, and where it reaches you
How much it says, and its tone
Which categories to mute, never the critical ones
For firms: escalation rules, segment playbooks, a white-label voice
The one thing you cannot turn off: critical risk always reaches you
A living plan and a daily report right away, not after weeks of setup.
You control your data and your connections, and you can disconnect at any time.
Demo profiles
Real, derived sample lives, from the lowest earners to the highest, each with the full asset picture. Open one to see the whole Lifeline the way a member would. No signup.
These are sample profiles built from public wage and net-worth data and run through the real engine. Figures are planning estimates. Throughline provides information to help you plan, not personalized financial advice.
Free to see your life. Fair to go further.
Seeing your whole financial future is free for everyone. Pay only when you want ongoing stewardship or the firm tools, and always for far less than the value.
Individuals
See your life. Free, forever.Your whole picture, your work-optional age, and the moves you might be missing.
Ongoing StewardFree for those who cannot afford advice. For everyone else, about $15 a month or $144 a year. The daily steward, decision alerts, and the full living plan.
Founding memberThe first members pay about $99 in the first year, then the standard rate. A price locked for early supporters. Any first-year rate that renews higher is disclosed clearly at signup, with a renewal reminder.
Firms
Priced by the number of active client plans, so the price tracks the value delivered.
Free pilot, up to 5 client plans. Try it on real clients before paying.
Starter, up to 100 active plans, about $6,000 a year
Growth, up to 500 active plans, about $18,000 a year
Firm, up to 1,500 active plans, about $42,000 a year
Enterprise, above that, custom.
Additional plans about $60 a year each beyond a tier. Full white-label adds about 25 percent. That works out to roughly $28 to $60 per active client, well below what leading advisor portals charge for a shallower product.
Why the price is fair
We set the price from the value created and take only a small share of it, so you keep a strong return. We do not maximize the individual price on purpose, because the mission is reach and dignity, not extraction.
Prices are planning targets for launch and may change. Final terms will be shown at signup.
Give every client a living plan. See the opportunity across your whole book.
Throughline gives your clients a living, whole-life plan and a daily steward, and gives you one view of the unactioned value sitting in your book. Far more than a client portal, for a fraction of the price.
Clients pay for a relationship, and most of the value, the deep tax, estate, business, and equity work, either gets referred out or never happens. Meanwhile your planning tools are static, advisor-only, and slow to produce. Throughline closes that gap.
A living plan your clients actually use
The same deep plan, shared between you and each client, updated on its own, watched daily by a steward. Built from data, not hand-entered by a paraplanner, so it stays current and cuts production time.
See across the whole book
One view aggregates every client's plan: the quantified opportunity, who is drifting off track, who has an unaddressed tax, estate, equity, or business decision, and where the next conversation should be. Stop guessing where the value is.
Warm handoffs, not cold referrals
When a client needs a specialist, an accountant, an estate attorney, an insurance or lending professional, a business-sale advisor, Throughline hands them off with the analysis and the questions already done. Every handoff becomes a value channel and a referral edge.
The value, against the price
For a representative six-advisor, six-hundred-client firm, Throughline creates on the order of $200,000 a year in value, through better retention, expanded scope, new clients, time saved, and captured book opportunity, for a license of about $18,000 to $24,000 a year. These are estimates, worth verifying against your own book. Leading advisor portals charge several times more per client for a shallower experience.
Estimate the value in your book (coming soon)
Built to be yours
Co-brand or white-label the experience so your clients see your firm. The advisor views are summaries and drill-downs of the same client plan, so your product can never drift from the client's, and it improves automatically as the plan improves.
Founding firm program
We are opening to a small number of founding firms, starting in Colorado. Founding firms get an onboarding period at no cost, founding pricing locked for the life of the account, a hand in shaping the product, and priority support. Limited in number and time.
Throughline is software your firm uses to serve clients. Your firm remains the adviser of record. Figures are planning estimates.
Your financial life, handled with care, and never sold.
Throughline is built on a neutral model. We do not sell your data, and we do not funnel you into products. Our only job is to be on your side.
What neutral means
We make money from fair subscriptions and from firms, never from selling your information or steering you into products for a cut. When Throughline suggests a move, it is because it is good for you, not because someone paid for the placement.
Your data and your control
You choose how your data comes in, you can use a private path that keeps it in your own account, and you can disconnect at any time. Any connection to an advisor is opt-in and revocable in one step.
Care with sensitive information
Financial data demands real care, and we treat security and privacy as a first priority, not an afterthought. We will describe our specific safeguards here as they are in place, and we will not claim protections we have not yet earned.
Information, not advice
Everything Throughline shows you is information to help you plan and to bring to a professional. It is not personalized financial, tax, legal, or investment advice, and it is never a guarantee of an outcome.
We do not sell your data. Terms and a full Privacy Policy will be published at launch. Throughline provides information to help you plan, not personalized financial advice.
Staged marketing preview aligned to the GTM messaging foundation. Not for publication until the legal and IP gate opens.