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AI-guided personal finance plans ranked by projected dollar impact

Lodestar Wealth is a web-based personal finance analysis tool that turns account data or statements into a prioritized action plan and net-worth forecast. It identifies areas such as cash, debt, retirement, spending, and portfolio structure, then lets you model how proposed changes could affect your finances.

Agenticness = how independently a tool can take action, scored across 9 dimensions. Scored independently by David Kooi, Skylark Creations — see full rubric → Last re-evaluated 27 September 2026.

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Free Tier
Web
Integrations
B2B
B2C
Cloud Hosted
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About

What It Is

Lodestar Wealth is a consumer personal-finance planning tool built around forward-looking analysis rather than expense tracking alone. It is designed for people who want help deciding which financial moves to consider next, from increasing...

What to Know

Lodestar is more of an analytical copilot than an autonomous financial agent: it can evaluate information, surface opportunities, and simulate outcomes, but it does not move money or execute financial transactions. Its recommendations are presented...

Key Features
Creates a 0–100 Financial Health Score across cash flow, emergency savings, debt, retirement, diversification, and protection
Generates a prioritized financial action plan with projected dollar impact for each recommendation
Models net-worth forecasts and Monte Carlo ranges
Provides a live what-if simulator for recommended moves and user-added events
Analyzes spending categories, merchants, subscriptions, and potential fee leaks
Use Cases
Upload a household financial statement to identify and rank potential improvements to cash management, debt, retirement savings, and recurring spending
Compare the projected effect of paying down high-interest debt, moving cash to a high-yield savings account, or changing retirement contributions
Review a brokerage or retirement-account statement for concentration, diversification, cash drag, and alignment with stated goals
Agenticness: Guided Assistant

Executes tasks you assign, one step at a time, within narrow domains.

High evidence
Last evaluated: Sep 27, 2026

Dimension Breakdown

Action Capability
Autonomy
Planning
Adaptation
State & Memory
Reliability
Interoperability
Safety
Operator Sovereignty

Categories

Pricing
  • Free: $0; includes one lifetime full analysis and portfolio review, manual entry and statement upload, a financial health score and diagnostic, dashboard and forecast, top three ranked moves and opportunities, three lifetime AI-chat questions, and share links.
  • Plus ($14.99/mo or $149.99/yr): 7-day free trial with card required; adds live bank sync, unlimited analyses and portfolio reviews, the full action plan and opportunity list, live simulations and custom events, unlimited AI chat, saved history, PDF reports, and a holdings news brief.
Details
AddedSeptember 27, 2026
RefreshedSeptember 27, 2026
Agenticness
Quick Facts
DeploymentCloud-hosted
AutonomyCopilot (human-in-loop)
Model supportSingle model
Open sourceNo
Team supportIndividual only
Pricing modelFreemium
Interfacegui, chat
Sources
Last updated September 27, 2026
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