Your estimated itemized deductions (mortgage interest, property taxes, and state taxes) exceed your standard deduction by $17,500. Switching could save ~$4,200 per year. Worth confirming with your tax preparer.
Your Toyota Camry loan clears in October. That $580/month stops going to the lender and stays in your plan. Model where to redirect it: surplus, investments, or the next big purchase.
For a household with a mortgage, two kids, and fixed monthly obligations, 4 months of runway leaves little room for an unexpected job change, medical bill, or home repair. The recommended buffer is 6 months.
Potenza surfaces insights specific to your numbers.
Patty is your built-in financial assistant. She knows your income, your spending, and your plan. Straight answers, no generic advice, no upsell. Just your numbers, explained.
Explains your plan
Ask why your surplus changed, where your money is going, or what's driving a number. Patty knows your specific data.
Fixes your transactions
Tell Patty to recategorize a vendor, bulk-update charges, or create a rule. She updates your books instantly.
Answers real what-ifs
Can we afford this? What does a raise actually net out to? Patty runs the numbers against your plan and tells you the truth.
Big financial decisions deserve more than a gut check. Potenza's What-If scenarios let you see the real impact on your surplus, runway, and net worth before you commit.
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