AI Decision Assistant
Get a clear recommendation on your next financial decision
No account required · No data stored · Instant answer
Start a decision
How it works
Pick a decision type
Choose from Job offer, Buying a home, Credit card, Debt payoff, or Investing — or type your own situation in your own words.
Get an instant recommendation
The assistant answers immediately using smart defaults. No waiting, no forms to fill out first — a useful answer in seconds.
Refine if you want more precision
Add your specific numbers to get a more personalized calculation. The first answer is always free; real numbers sharpen it.
What you can decide
Job offer
Should I take it? Compare salary, benefits, and total compensation at a glance.
Buying a home
What can I actually afford? Monthly payment, risks, and whether now is the right time.
Credit card
Which card fits my spending? Points, cash back, APR, and balance transfer options.
Debt payoff
Fastest way out of debt? Avalanche vs. snowball with a clear starting point.
Investing
Where should I put my money? SIP, FD, stocks, or emergency fund first?
Relocation
Does moving states make financial sense? Net income change, cost-of-living impact.
Retirement contributions
How much should I contribute? Traditional vs. Roth based on your tax situation.
Any financial decision
Describe your situation in plain words and get a structured recommendation.
Frequently asked questions
Do I need to fill out a form to get an answer?▾
No. The assistant gives you an immediate recommendation based on smart defaults. You can optionally add your real numbers afterwards to get a more precise result, but you will never be blocked from getting an answer.
Is this financial advice?▾
No. This tool provides educational decision-support only. It is not financial, legal, or tax advice. All calculations use approximations and stated assumptions. Consult a qualified financial professional before making major financial decisions.
Does it work for India (₹) as well as the US ($)?▾
Yes. The assistant detects whether you are on the India section of the site and applies India-specific defaults — CTC in lakhs, home loan rates, and rupee-based calculations. All five decision categories work for both regions.
How does the home affordability estimate work?▾
For US users, the tool applies the 28/36 rule — spend no more than 28% of gross income on housing and no more than 36% on total debt — to estimate a maximum home price. You can enter your income, down payment, and existing debts for a personalized number.
Is my data stored or shared?▾
No. Your financial inputs are processed in real time and are not stored, logged, or shared. Results exist only in your browser session and are cleared when you close the tab.
Can I compare two job offers side by side?▾
Yes. Describe both offers in your question — for example "I have two offers: $90k at Company A and $100k at Company B with better benefits" — and the assistant will compare them and recommend which one makes more financial sense.
Important notice
This tool provides educational decision-support estimates only. It is not financial, legal, or tax advice. All calculations use approximations and stated assumptions. Consult a qualified financial professional before making major financial decisions.
Instant recommendation
You get a useful answer in one click — no forms, no waiting. Add your numbers any time to refine it.
No data stored
Your numbers are used for calculation only. Nothing is stored on our servers or shared with anyone.
Works for US and India
Detects your region automatically. Answers use the right defaults — dollars or rupees.