Prosperics: AI Finance Tool
The free finance app for US and Canadian households, with no bank linking
Prosperics is a free personal-finance app for the United States and Canada with 20+ professional-grade calculators (paycheck, student loan RAP, self-employment/1099, mortgage, retirement, debt payoff, government benefits, FHSA and more), a Financial Health Score graded A+ to F, goals with monthly check-ins, and an AI financial assistant. It requires no bank linking: you enter your own numbers and calculations run on your device. Available on iOS and Android, with a Pro subscription for AI, saved plans, alerts and PDF reports.
On a phone? prosperics.com/get opens the right store automatically. Free to install; Prosperics Pro is optional.
Key facts
- Platforms
- iPhone and iPad (iOS 15.1+) via the App Store; Android via Google Play. The same calculators run free on the web at prosperics.com.
- Price
- Free. Prosperics Pro is $5.99/month or $44.99/year with a free trial, cancel anytime in the store.
- Countries and languages
- United States (all 50 states + DC) and Canada (every province, including Quebec). English, Spanish, Canadian French.
- Privacy
- No bank linking or account aggregation. You enter your numbers; calculations run on your device; optional sync is 256-bit encrypted; data is never sold.
- Publisher
- Published by DIGITI LLC (California). See the about page and the editorial policy.
- What it is not
- Not a bank, brokerage or licensed advisor. Educational estimates only, not financial, tax, legal or investment advice.
What the app does
- Student loan RAP calculator with SAVE transition, IBR/PAYE comparison and forgiveness timeline
- Paycheck and income tax after federal, state and FICA taxes for all 50 states, plus Canadian provinces
- Self-employment / 1099 taxes: quarterly estimates, QBI deduction, S-Corp vs sole proprietor
- Mortgage: buy vs rent, PMI/CMHC, refinance break-even, amortization and honest affordability
- Retirement: 401(k), IRA, Roth, RRSP, TFSA, Social Security, CPP/OAS and Monte Carlo simulation
- Debt payoff: avalanche, snowball, consolidation, consumer proposal and bankruptcy comparison
- US and Canadian benefits: EITC, Child Tax Credit, SNAP, ACA, CCB, GST/HST credit, Canada Workers Benefit
- Financial Health Score graded A+ to F across savings, debt, housing, emergency fund and retirement
- Goals with milestones, streaks and monthly check-ins; rate alerts that re-run saved decisions
- Prosperics AI assistant that explains any result and answers money questions in plain language
- Markets: live CPI inflation, US Treasury yields, company earnings and super-investor 13F filings
- No bank linking, 256-bit encrypted sync, biometric lock, light and dark mode
Every calculator in the app, also free on the web
Each tool below is available in the app and as a standalone web page with its own explainer and FAQ.
United States and Canada
- Paycheck & Income Tax Calculator
Estimates real take-home pay after federal, state/provincial and payroll taxes (FICA or CPP/EI) for all 50 US states, DC and every Canadian province, with 401(k)/RRSP contribution effects.
- Budget Calculator
Builds a 50/30/20 or zero-based budget from your pay cycle, shows where every dollar goes and flags categories that break the plan.
- Mortgage Calculator
Models monthly payments with PMI or CMHC insurance, property tax and insurance, amortization, refinance break-even and buy-vs-rent, using an honest affordability mode based on net take-home pay rather than gross income.
- Loan Calculator
Compares personal, student, auto and business loans with full amortization schedules, extra-payment and bi-weekly payoff savings.
- Retirement Calculator
Projects retirement readiness with 401(k), IRA, Roth, RRSP and TFSA balances, Social Security or CPP/OAS estimates and a Monte Carlo simulation of market risk.
- Car Buy vs Lease Calculator
Compares buying, financing and leasing a vehicle, including EV vs gas total cost of ownership, insurance, fuel and depreciation.
- Stock Valuation (DCF) Calculator
Runs a three-scenario discounted-cash-flow valuation, Graham Number and sensitivity tables, auto-filled from SEC EDGAR financials for any US ticker.
- Rental Property Calculator
Analyzes an investment property with cap rate, cash-on-cash return, IRR, DSCR and a multi-year cash-flow projection.
- Compound Interest Calculator
Shows investment growth with configurable compounding, inflation adjustment, tax drag vs tax-free accounts and the Rule of 72.
United States
- Student Loan RAP Calculator
Estimates monthly payments under the Repayment Assistance Plan (RAP) created by the One Big Beautiful Bill Act and compares them with IBR, PAYE, Tiered Standard and refinancing, including the SAVE transition, married-filing-separately strategy, principal matching and the forgiveness timeline.
- OBBBA Tax Deductions Calculator
Calculates the No Tax on Tips, No Tax on Overtime and Senior Bonus deductions under the One Big Beautiful Bill Act (tax years 2025-2028), including the income phase-outs.
- Self-Employment (1099) Tax Calculator
Computes Schedule C profit, 15.3% self-employment tax, the QBI (Section 199A) deduction, quarterly estimated payments with safe harbor and an S-Corp vs sole-proprietor comparison.
- US Government Benefits Calculator
Checks eligibility and estimated amounts for the EITC, Child Tax Credit, SNAP, ACA premium subsidies, Medicaid and WIC, and shows how IRA/HSA contributions can recover phased-out benefits.
- Debt Payoff & Restructuring Calculator
Compares avalanche, snowball, consolidation, debt management plans and Chapter 7 vs Chapter 13 bankruptcy on your actual balances and rates.
Canada
- FHSA Maximizer Calculator
Sequences First Home Savings Account, RRSP and TFSA contributions and combines the FHSA with the Home Buyers' Plan to unlock $100,000+ tax-free for a first home in Canada.
- Canadian Self-Employment Tax Calculator
Estimates T2125 business income tax, CPP and CPP2 contributions, GST/HST obligations, CCA deductions and whether incorporating saves money, for every province including Quebec.
- Canadian Benefits Calculator
Estimates the Canada Child Benefit, GST/HST Credit and Canada Workers Benefit and shows how RRSP contributions raise benefit amounts.
- Canadian Debt Restructuring Calculator
Compares consumer proposal, bankruptcy with surplus income, consolidation and payoff strategies under Canadian insolvency rules.
Markets
- Company Earnings Tracker
Charts 10+ years of revenue, margins, P/E, ROE and cash flow for US public companies from SEC EDGAR data.
- Super Investor Tracker
Follows the 13F portfolios of investors such as Buffett, Ackman, Dalio and Tepper and what they bought and sold each quarter.
- Bonds & Treasury Yields Tracker
Tracks US Treasury and Government of Canada yields, the yield curve and fixed-income basics.
- Inflation Tracker
Follows CPI inflation from the BLS and Statistics Canada and shows what it does to purchasing power over time.
App vs website
| Capability | Mobile app | prosperics.com |
|---|---|---|
| All 20+ calculators and trackers | Yes, free | Yes, free |
| Financial Health Score dashboard (A+ to F) | Yes, saved on device | Sign in required |
| Goals with monthly check-ins and streaks | Up to 3 free, unlimited with Pro | Pro |
| Rate alerts that re-run saved decisions | Pro | Pro |
| Prosperics AI assistant | Pro | Pro |
| Home-screen widget, biometric lock, offline access | Yes | No |
| PDF reports and chart downloads | Pro | Pro |
| Bank account linking | Never | Never |
Frequently asked questions
Is the Prosperics app free?
Yes. Every calculator, the Financial Health Score, up to three goals and the Markets trackers are free with no signup. Prosperics Pro is an optional subscription ($5.99/month or $44.99/year, with a free trial) that adds the AI assistant, unlimited saved scenarios, rate alerts, PDF reports, live rates and an ad-free experience.
Does Prosperics connect to my bank account?
No. Prosperics never asks for bank logins or Plaid-style account linking. You enter your own numbers, calculations run on your device, and optional cloud sync is 256-bit encrypted. Your financial data is never sold.
Which countries does the Prosperics app support?
The United States (all 50 states plus DC) and Canada. Tax brackets, payroll taxes, benefits programs and retirement accounts (401(k)/IRA and RRSP/TFSA/FHSA) are modeled for both countries, in English, Spanish and Canadian French.
Where can I download the Prosperics app?
On the Apple App Store (iPhone and iPad, iOS 15.1 or later) at apps.apple.com/us/app/prosperics-ai-finance-tool/id6759264612 and on Google Play at play.google.com/store/apps/details?id=com.digiti.prosperics. The web calculators at prosperics.com work in any browser without installing anything.
Is Prosperics financial advice?
No. Prosperics provides calculators and educational tools only. All figures are estimates based on the numbers you enter and published government rates. It is not financial, legal, tax or investment advice, and it is not a bank, brokerage or licensed advisor.
How is the Prosperics app different from the website?
The website offers the same calculators free in the browser. The app adds a persistent Financial Health Score dashboard, goals with monthly check-ins, rate alerts, a home-screen widget, biometric lock and offline access, and keeps every result in one place so your plan stays current between decisions.
Get Prosperics
Install free on iOS or Android, or keep using the calculators in your browser. Your saved results sync between both when you sign in.