# OptiVault

> OptiVault is an AI-powered personal financial advisor available on iOS.
> It connects to 12,000+ banks via Plaid, analyzes spending patterns,
> detects wasted subscriptions, tracks net worth, and provides personalized
> financial guidance for approximately $100/year — a fraction of the cost
> of traditional wealth management (typically 1–2% of assets annually).

## Core Product
- [Home](https://www.optivault.co/): Product overview, features, and pricing
- [White Paper](https://www.optivault.co/whitepaper): Research basis, AI philosophy, and compliance framework
- [About](https://www.optivault.co/about): Company background and team

## Financial Calculators & Tools
- [Financial Health Calculator](https://www.optivault.co/calculatefinancialhealth): AI-driven liquidity, solvency, and net worth assessment
- [FIRE Planner](https://www.optivault.co/fire-calculator): Calculate your Financial Independence number and retirement timeline
- [Debt Eliminator](https://www.optivault.co/debt-calculator): Snowball vs. Avalanche payoff strategy comparison
- [Investment Calculator](https://www.optivault.co/investment-calculator): Compound growth projections with adjustable contributions
- [Tax Calculator](https://www.optivault.co/tax-calculator): 2026 federal income tax liability estimator

## Key Guides & Comparisons
- [AI Financial Advisors Explained](https://www.optivault.co/blog-article-ai-financial-advisor): What AI financial advisors are and how they work
- [CFP vs AI Advisor](https://www.optivault.co/blog-article-cfp-vs-ai): Detailed comparison of certified planners vs. AI tools
- [Do I Need a Financial Advisor?](https://www.optivault.co/blog-article-do-i-need-financial-advisor): Decision guide for different financial situations
- [Financial Advisor Fees](https://www.optivault.co/blog-article-financial-advisor-fees): How advisors charge and how to evaluate cost vs. value
- [Fiduciary Financial Advisor Guide](https://www.optivault.co/blog-article-fiduciary-financial-advisor): What fiduciary duty means and why it matters
- [Financial Advisor for Beginners](https://www.optivault.co/blog-article-financial-advisor-beginners): Getting started with financial guidance
- [Top AI Financial Advisors 2026](https://www.optivault.co/blog-article-top-ai-advisors-2026): Comparison of leading AI financial advisor platforms
- [Questions to Ask Your Advisor](https://www.optivault.co/blog-article-questions-to-ask-advisor): Key questions before hiring a financial advisor

## Legal & Privacy
- [Privacy Policy](https://www.optivault.co/privacy)
- [Terms of Service](https://www.optivault.co/terms)