ABOUT US
Helping people stay on track to their money goals, every week.
Our Journey
Dec 2025
Founded
DIGITI LLC launches Prosperics
Jan 2026
Mobile Apps
iOS & Android apps released
Jan 2026
Prosperics AI
AI financial assistant launched
Jan 2026
E2E Security
Encrypted cloud sync & biometrics
Our Mission
To make personal-finance decisions clearer for US and Canadian households through transparent, educational, privacy-first tools.
Our Vision
A future where every US and Canadian household can understand their money clearly, act with confidence, and stay in control of their financial data.
Our Core Values
Integrity
Honest, unbiased analysis you can trust.
Excellence
Continuous improvement in everything we do.
Accessibility
Professional tools for everyone.
Simple, Transparent Pricing
Free
$0 forever
- ✓All calculators and analysis tools
- ✓3 stock lookups/day (24h reset)
- ✓Interactive charts and visualizations
Pro
$5.99/month or $44.99/year
- ✓🤖 Prosperics AI access
- ✓🔐 E2E encrypted chat sync
- ✓Unlimited stock lookups
- ✓Unlimited saved results
- ✓Live interest rates
- ✓10 rent & price estimates/month
- ✓Cost of living auto-fill
- ✓Neighborhood insights (US)
- ✓Chart downloads (PNG export)
- ✓PDF Reports (Download & Email)
- ✓Ad-free experience
What We Offer
Platform
🇺🇸🇨🇦 US & Canada Support
Country-specific tax calculations, units, and currencies tailored to each market
Prosperics AI
Educational chat assistant (not financial advice) with end-to-end encrypted sync
Financial Dashboard
Your complete financial picture — income, debt tracking, savings rate, and health metrics
Alerts Hub
Get notified the moment mortgage rates, central-bank policy, tax limits, CPI, or your saved scenarios change — push or email, with quiet hours
Goal Contracts
Commit to a target and date — 401(k)/IRA/HSA, FHSA/RRSP/TFSA, emergency fund, debt payoff — with automatic monthly check-ins and progress rings
Video Tutorials
Step-by-step video guides for website and mobile app features, organized by platform
Calculators
🇺🇸 Showing US calculators — switch country in settings to see Canadian tools
Paycheck Calculator
Take-home pay for US & Canada with paycheck deductions and cash flow visualization
Mortgage Calculator
Mortgage analysis with live rates, refinance analyzer, and verify existing mortgage mode — plus Simple guided “Should I buy or rent?” (net worth if you sell) and the Advanced Buy vs Rent worksheet
Loan Calculator
Personal, student, and auto loan analysis with amortization, bi-weekly savings, and refinance analysis
Retirement Calculator
Retirement planning with Social Security/CPP/OAS, RMDs, Monte Carlo, and income import
Your FIRE number, years, and Coast number on one screen. Coast is a tab. The US counts Social Security. Canada counts CPP and OAS.
Car Calculator
Compare cash, financing, and leasing for EV and gas vehicles with total cost of ownership
Budget Calculator
Track expenses with the 50/30/20 rule, cost of living auto-fill, and cash flow visualization
Stock Calculator
3-scenario DCF, Graham Number, DDM, sensitivity tables, SEC EDGAR data, and industry peer comparison
Home Rental Calculator
Rental property analysis with rent estimates, price estimates, and neighborhood insights
Compound Interest Calculator
Model investment growth with variable contributions, tax drag comparison, and inflation-adjusted returns
🇺🇸 Self-Employment Tax Calculator
Schedule C, SE tax (15.3%), QBI deduction, quarterly payments, and S-Corp comparison for 1099 workers
🇺🇸 Government Benefits Calculator
EITC, Child Tax Credit, SNAP, ACA subsidies, Medicaid eligibility, and IRA/HSA leverage effect
🇺🇸 Debt Restructuring Calculator
Avalanche, snowball, consolidation, DMP, Chapter 7 means test, and Chapter 13 repayment plans
🇺🇸 Federal Student Loan Calculator
Compare RAP, IBR, PAYE, ICR side-by-side. PSLF tracking, tax bomb projections, SAVE transition paths, filing optimizer, and capitalization modeling
🇺🇸 OBBBA Tax Deductions Calculator
No Tax on Tips, Overtime, and Senior deductions under the One Big Beautiful Bill Act (2025-2028)
Market Trackers
Company Earnings Tracker
Chart 10+ years of SEC financial data with P/E, ROE, margins, and valuation metrics
Super Investor Tracker
Track what legendary investors like Buffett, Tepper, and Ackman are buying and selling
Bonds Tracker
US & Canadian bond yields with credit ratings and yield curve comparison
Inflation Tracker
Track US & Canadian CPI with purchasing power calculator and category breakdowns
Educational Resources
In-Depth Guides
Each calculator includes comprehensive educational articles covering key concepts, strategies, and best practices. Learn about mortgage fundamentals, retirement planning strategies, stock valuation methods, and more as you use our tools.
Interactive FAQs
Find answers to common questions about each financial topic. Our FAQs are designed to address real-world concerns and help you make more informed decisions about mortgages, investments, retirement, and personal finance.
Financial Glossary
Access our comprehensive glossary of financial terms covering stocks, bonds, real estate, retirement, taxes, and more. Look up definitions instantly to better understand financial concepts and terminology.
AI-Powered Learning
Chat with Prosperics AI to get personalized explanations, run scenarios, and learn financial concepts through conversation. Ask questions in plain language and receive clear, actionable guidance.
Data Sources
We use high-quality data from trusted government and institutional sources to power our calculators and trackers:
United States
- • Inflation & CPI: U.S. Bureau of Labor Statistics via FRED
- • Mortgage Rates: Freddie Mac via FRED
- • Interest Rates: Federal Reserve Board via FRED
- • SEC Filings: SEC EDGAR
- • Fair Market Rent: HUD
Canada
- • Inflation & CPI: Statistics Canada via Bank of Canada
- • Interest Rates: Bank of Canada Valet API
- • Bond Yields: Bank of Canada
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.
What you can do with these results
Plus a 3-day Pro preview — no credit card required
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