What inspired you to build this? Every wealth app I tried either locked the useful stuff behind an AUM fee, or had an AI chatbot that would confidently make up numbers about my own finances. The problem: I wanted one place for my whole financial picture (net worth, goals, FIRE progress) where an AI advisor could actually reason about my numbers instead of giving generic advice it can't back up. How it evolved: Sipán started as a local tool just for me, then became worth sharing once I built the grounding protocol. The AI advisor is given your actual account, transaction, and goal data and instructed to never state a number that isn't literally in that data. That constraint shaped everything after: the FIRE calculator, debt payoff simulator, and every projection tool are real math, not vibes, and every assumption they use is published with its source in the app. Free tier covers net worth, accounts, goals, projections, and every calculator, no card needed. Plus ($15/mo, 7 day trial) adds the AI advisor's full chat and automatic bank sync. Would love your feedback, especially on what's confusing or missing.

Sipán

Free wealth tracking, FIRE planning, and grounded AI advice

Free wealth tracking, FIRE planning, and grounded AI advice