Modern Financial Planning SoftwareFor Complex Lives

Create financial projections, model life events, optimize taxes, and manage portfolios across multiple accounts — all in one clear, intuitive platform.

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Everything you need to manage your finances

Nauma brings your entire financial picture into one place — so you can stop guessing and start planning.

Build Financial Plan

Create long-term projections, plan for retirement, college, or lifestyle changes with realistic, data-driven assumptions.

Track Your Investments

View your investments across all accounts in one place. Understand how your portfolio aligns with your long-term goals.

Optimize Your Taxes

Model tax impact before making major financial decisions. Choose strategies that preserve more of your wealth.

Portfolio & Account Aggregation

View investments, retirement accounts, and cash across institutions in one organized dashboard.

Financial Projections

Project your net worth, cash flow, and spending across decades. Adjust assumptions as life changes and instantly see the impact.

Monte Carlo Simulation

Stress-test your financial plan across thousands of market scenarios. Understand probabilities, risk, and confidence levels — not just a single forecast.

Advanced Tax Modeling

Model taxes across income, investments, and withdrawals over time. Compare strategies and understand the long-term tax impact on your financial plan.

Monthly Investor Reports

Receive clear monthly summaries of portfolio performance, allocation, and key changes — helping you stay in control of your investments and overall financial progress.

1:1 Financial Plan Review

Sit down with our team for a focused 60-minute review of your financial projections, strategy, and assumptions so you can identify blind spots early and make better long-term decisions.

The Benefits of Using Nauma

Nauma brings your entire financial picture into one place, so you can stop guessing and start planning.

Organized Finances

See your full financial picture in one place and understand where you're going.

Smarter Decisions

Make decisions about career, spending, investing, and retirement knowing the tradeoffs.

Confidence

Replace uncertainty with clear projections and structured planning.

Loved by Thousands of Users

See what they are saying about their experience

"I needed a tool that answers a simple question: Can I retire given my assets and needs? Somehow the whole financial industry could not produce that until the folks at nauma made it happen. Despite a simple interface, it offers the settings I need to model assets, income streams, and retirement spending. It also handles taxes across stages and lets me plan for items like long-term care. This makes it easy to compare retirement options and see what's possible. The real value is peace of mind that comes from defined goals and transparent projections."

Sergey Z.

Uber

"I can't recommend Nauma.ai enough! Their monthly investor reports are a game-changer, giving me a consolidated and comprehensive view of my portfolio that spans all my different brokerages. No more juggling multiple logins or spreadsheets. On top of that, the app itself is a joy to navigate – the user experience is incredibly intuitive and straightforward."

Hitesh A.

Google

"Nauma has made it possible for me to easily understand my finances, and even more importantly, create plans for the future that help me make decisions today."

Rajat P.

Startup, ex-Google

"The planning tool is easy to use, detailed and provides customizations for my situation. It literally took minutes to create a personalized plan with detailed charts and notes projecting my expenses and income for the next few decades. Highly recommended!"

JB T.

ex-Google

"Yo this is quite cool! A welcome addition to the toolset. Now one can project the tax implications of financial decisions year-round instead of just during tax time"

Brandon B.

"Nauma gave me clarity and confidence with my finances in a way no other tool has. It's a game-changer for tech professionals with complex equity positions, helping me model retirement, career moves, and life events in one clear, intuitive place."

Tony M.

OpenAI

"As a hobbyist investor, it is difficult to understand my portfolio's performance relative to the market. I appreciate the monthly summaries Nauma gives me, which gives me a sense of not only what has changed but how to improve."

Ursula B.

"I was so impressed with Nauma. It offers a new perspective on financial planning and is remarkably straightforward to use. I highly recommend it"

Aanchal J.

Frequently Asked Questions

Everything you need to know about the software

Product & Features

Most financial applications are designed for budgeting or trading. Nauma is built for long-term financial planning and for decisions that may affect your net worth by millions of dollars.

No prior knowledge needed. Our tools come with guided steps, helpful explanations, and educational videos to make complex financial topics approachable.

Our models account for important nuances in U.S. tax law. That said, accuracy depends heavily on the information you provide—such as growth rates, inflation, and spending assumptions. We run extensive automated testing, but like any software, errors are still possible.

Not yet. We enable you to create your own financial plan by providing advanced financial planning tools and coaching.

Audience Fit

The platform works for portfolios of any size and it supports complex portfolios spread across multiple accounts with different tax treatments (taxable, tax-deferred and tax-free).

Absolutely. Many of our users use Nauma alongside their advisor to model alternate scenarios, double-check assumptions, or gain more hands-on control.

Security & Privacy

Yes, your financial data is encrypted and protected with industry-standard security protocols. We use secure connections, strong authentication, and ongoing monitoring to keep your data safe.

Never. We don't sell your data, show ads, or participate in affiliate marketing. We're entirely user-supported.

Yes, you can choose to link your accounts for convenience or enter your data manually if you prefer. Your control, your choice.

Support & Community

We host live Q&A sessions or webinars twice a month, complemented by on-demand videos that let you explore financial planning topics at your own pace.

Our community is made up of tech professionals—engineers, product managers, and leaders—navigating similar financial challenges. You'll also have access to our team during Q&As and within discussion threads.

Yes, our Guided Plan includes one-on-one coaching sessions which can help you create your financial plan.