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SynthBoard

Money and finance

Your numbers, run more than one way.
Before you move the money.

The mortgage, the inheritance, the car, the shop’s budget. She keeps your numbers on file; The CFO and The Analyst run them on your situation, and a board argues the big ones. They’re AI, not licensed advisors — the memo shows what would change the call.

Start freeSee how it works

Free to start. No card.

Example. You write: “We got a €40k inheritance. Pay down the mortgage, invest it, or keep a cushion first? Also: is it time to replace the 2012 car, and can you set us a monthly budget we’ll actually keep?” She opens 3 rooms: €40k: mortgage, fund, or cushion? (The CFO, up to 65 credits); Replace the 2012 car now? (The Analyst, up to 65 credits); A monthly budget we’ll keep (The Operator, up to 65 credits). Nothing runs until you tap.

Examples

The inheritance, the condo,
the bakery.

The ask as someone with a money call would type it, how she read it, who sat, and what came back. Examples written for this page, not recorded runs.

Pay down the mortgage?

Money · Board of 3

A €40k inheritance. The mortgage has €210k left at 3.9%, fixed for six more years. We have €6k in savings and two kids. Overpay the mortgage, invest in an index fund, or both?

Chief of staff

Your family’s money and three reasonable answers — worth a board. I’d seat The CFO, The Analyst and The Skeptic.

  • The CFOFinancial Controller
  • The AnalystData Expert
  • The SkepticRisk Assessor

The board’s call

Keep €15k as a cushion, overpay €15k on the mortgage, and invest €10k in the fund over the next ten months.

€6k in savings is about one bad month with two kids, so the cushion comes first. The overpayment is a guaranteed 3.9%; the rest goes in pieces, so no single month decides it.

Confidence70 · Moderate

The Analyst disagreed

“Over twenty years a broad index fund has usually beaten 3.9%. Overpaying trades expected return for comfort — fine, but say it out loud.”

First step Open a separate savings account for the cushionthis week

Example · Board of 3 · up to 135 credits

Buy or keep renting?

Money · One expert

Rent is $2,600 a month. A similar condo costs $520k and we have $110k saved. We’d stay four or five years, maybe. Buy?

Chief of staff

The Analyst takes this: three scenarios on one page, then a call.

  • The AnalystData Expert

Asked first

How sure is “four or five years”?

Very sureProbablyCould be two

The call · The Analyst

Keep renting for now. Under five years, buying only comes out ahead if prices rise faster than about 4% a year.

Closing costs going in, selling costs going out and the HOA eat most of the equity you’d build by year four. If the stay becomes seven years, the answer flips.

Example · One expert · up to 65 credits

Raise prices or cut hours?

Work · One expert

I run two bakeries, nine people, $1.4M revenue and a thin 6% margin. Flour and butter are up 18% this year. Raise prices, cut opening hours, or both?

Chief of staff

The CFO takes this — what each lever does to your 6%.

  • The CFOFinancial Controller

The call · The CFO

Raise prices 7% on your top 20 items, keep the hours, and lock butter into a 12-month contract.

Ingredients are about a third of your costs, so up 18% they take nearly six points of margin. 7% on the items people buy most wins that back without shorter hours.

Example · One expert · up to 65 credits

What she handles

Your numbers,
kept straight.

On file with their sources, read from the sheets they live in, and one first step with a date.

Your money, on file.

Balances, rates, payments, what you decided. Each fact keeps where it came from, home stays apart from work, and anything can be corrected or wiped.

Asked first.

When the answer turns on your situation, the expert asks before answering. Being asked is never charged.

Reads the sheet it lives in.

Google Sheets for the budget, Gmail for the statements, Stripe if you run a business. She reads until you allow writing; writes are previews you confirm, on Pro and above.

The first move, with a date.

Each room ends in one first step. It waits under Open until it’s done.

The experts

The math, from more than one side.
Then the call.

The CFO on cash, The Analyst on the scenarios, The Skeptic on the assumption hiding in your spreadsheet. They’re AI, not licensed financial advisors — the memo shows what would change the call so you can check it.

Pick an expert

Hover, tap or tab throughSwipe, then tap one
  • GPT
  • Claude
  • Gemini
  • Grok

Seats are spread across model families: GPT, Claude, Gemini, Grok and more.

Questions

Fair questions.
Straight answers.

What people ask before they bring her this kind of call.

Or see pricing · every use case

Is this financial advice?

No. The experts are AI, not licensed financial advisors, and they can be wrong. What you get is your numbers run more than one way, the call with the conditions it holds under, and the dissent — for a decision you still make yourself, or bring to a professional.

Do I have to connect my bank?

No. Tell her the numbers, paste a statement or photograph a page; she keeps them on file with where each came from. Connect Google Sheets or Stripe if your numbers already live there.

Is what I tell her private?

What you tell her stays on file with where it came from, yours to correct or wipe, and your life stays apart from your work. A room can run off the record, leaving nothing on file. Nothing is shared unless you share it.

What does it cost?

Free to start — 150 credits every month + 250 to start. Talking to her is free within a daily allowance. A consult’s card says up to 65 credits and a three-seat board’s says up to 135 credits; nothing runs until you tap, and a board never bills above its card.

Close to this

Decision

Investment decisions

Before you wire the money, hear the case against it.

Topic

Career & life

The calls that change your year. Kept apart from your work.

Topic

Business & strategy

The calls that set the year, argued before you make them.

Bring the number you keep re-running.
Start free, with one message.

Pay down the mortgage or invest?Buy, or keep renting for five years?Raise prices or cut shop hours?

It waits in her box after you sign up. Nothing is sent until you press send.