Continuum

Continuum is a financial planning app built for high earners whose money problems don't fit a normal budgeting tool. If a big slice of your compensation arrives as RSUs, options, or startup equity, the questions that actually matter are things like what a grant is worth after taxes, what happens to your net worth if you move states, and whether an exit scenario changes when you can stop working. Continuum models exactly that, equity, taxes, and long-run net worth, in one simulator instead of a pile of spreadsheets.

The free side of the product is a set of focused calculators. There's a take-home pay calculator, a state-relocation tool that shows how a move changes your tax picture, plus calculators for Social Security, Roth conversions, Public Service Loan Forgiveness, personal runway, and SAFE notes. Each one is a self-contained answer to a question people usually pay an advisor to run, and you don't need an account to get value out of them. Once you do sign in, the app organizes around a dashboard, a ledger for tracking accounts and balances, a life-events view, and the total comp simulator, so the calculators feed into a persistent picture of your finances rather than one-off results.

The core app goes much deeper. A Total Comp Simulator projects income, net worth, age, and monthly spend over decades, and an Equity Matrix handles the messy parts of stock compensation. The engine in the code models RSU grants for both public and private companies, RSU liquidation strategies, ISO exercises including qualifying dispositions, QSBS gain exclusion, startup funding rounds from pre-seed through late stage, dilution, and liquidation preferences. That's a level of equity detail most net-worth apps simply don't attempt. The homepage examples give a feel for the audience, an L5 software engineer in San Francisco on $450k total comp, or a household weighing a $450k home at 6.5% APR against renting.

The simulation isn't just about the stock, either. The inputs cover a whole household, your income and your spouse's, expected real raise rates, monthly spending now and planned spending in retirement, rent versus a mortgage with property tax, insurance, utilities, and extra principal payments, all stated in today's dollars so the long-run numbers stay meaningful. Outcomes come back as distributions rather than a single line, the interface reports figures like median net worth at 60 and shows ranges such as $3.2M to $4.0M rather than pretending the future is one number.

Everything is scenario-based. You build a plan, then fork what-if scenarios off it, a job change, a relocation, an early retirement date, a different exit valuation for your startup shares, and compare the terminal outcomes side by side. The projections come back as concrete numbers, so a decision like taking a sabbatical turns into a statement you can evaluate, your bridge covers 14 months of spending and age-90 net worth moves from $3.4M to $3.1M. That's the kind of answer that actually settles an argument at the kitchen table.

Who's it for? The site says high earners, and the feature set says tech workers in particular. If your comp is mostly salary, the free calculators are still useful, but the deep equity modeling only earns its keep when you have multiple grants, a startup cap table position, or a public-company RSU stream to plan around. The DIY angle matters too, this is for people who'd rather run the numbers themselves than pay a percentage of assets to have someone else do it.

What separates Continuum from generic retirement planners is that equity is the center of the model, not an afterthought. Most tools treat stock comp as a lump of income. Continuum treats dilution, preferences, exercise timing, and state taxes as first-class inputs, and there's an AI voice layer on top where, as the product puts it, the AI explains and the engine calculates, so the numbers come from the simulation rather than a language model's guess.

Access is freemium. The free tier includes the standalone calculators and basic modeling with one RSU grant plus state tax. Pro runs $30 a month or $200 a year, which the site notes is a 44% saving, and unlocks unlimited saved scenarios and comparison, deep equity modeling covering startup exit values, dilution, and multiple grants, multi-scenario risk analysis with prioritized compute, and 100 minutes a month of voice sessions. Billing goes through Stripe and you can cancel anytime, which is a reasonable posture for a product you may only need intensively around a job offer or a liquidity event.