DIVID Savings & Investment Planner

DIVID Planner helps you make a plan for the next 12 months for money you've already saved. It's for people in the US who are new to investing and care more about keeping their savings than chasing big gains.

Tell Claude about your money in your own words: your take-home pay, what you spend in a month, what you've saved and what you're saving for, like a down payment next fall. Claude fills in the plan from that and asks once for anything it still needs. A card then shows what it read and what it assumed, such as your cushion and how big a drop you could sit through. You can change any of it before the plan is built.

The model then tests the plan against 1,000+ one-year market scenarios built from real price history, with your pay, bills and surprise costs. You'll see:

• how likely each goal is in the model's simulations, in plain words from "Very low" to "Very high" (Claude gives the percentage if you ask)
• how the model splits your money across the parts you allow: savings, CDs, T-bills, bond funds, an S&P 500 index fund, gold and, only if you pick them, large S&P 500 companies
• what a very bad year (about 1 in 100) would mean for you in dollars
• the changes to your own numbers that help most

Your emergency fund stays in savings, out of the market. Try a change, like spending 20% less on extras, and see before and after, or put up to three changes side by side. Save the plan and open it later on divid.ai.

Claude is told to explain only the numbers the model returns and never to make up its own. The model doesn't count debts or their interest.

DIVID Planner is a self-directed planning and simulation tool, not a financial adviser. It doesn't give personalized investment advice, place trades or move money. Plans are model estimates based on your inputs and historical market data, and results aren't guaranteed. Built for US residents; amounts in USD; 18+. Free during launch. Privacy: https://divid.ai/privacy-policy Terms: https://divid.ai/terms-and-conditions