Verdict
Decisions, decided.
An AI-powered decision system that determines which financial choice fits your exact situation.
Math determines the answer. Industry framing irrelevant. Your data is not stored.
Mortgage Verdict
Your mortgage decision companion.
Buying a home? Verdict ranks loan types (Conv 30, Conv 15, FHA, VA, USDA, Jumbo) for your specific financial situation, names the verdict, and shows the math behind it.
Start Mortgage Verdict →HSA vs FSA
Your benefits-enrollment companion.
Open enrollment season? Verdict runs the math on tax savings, forfeit risk, and long-term growth — then tells you which account fits your situation.
Start HSA vs FSA Verdict →Roth vs Traditional
Your retirement-account companion.
Should your next $1 go to Roth or Traditional? Verdict computes three scenarios (same / lower / higher retirement bracket) and names the most likely for your situation.
In developmentTerm vs Whole Life
Your life-insurance companion.
Term, whole life, or no insurance at all? Verdict applies the income-replacement formula, runs the IRR comparison, and recommends WHAT to buy — not WHO sells it.
In developmentHow Verdict works
Math first
Every Verdict starts with deterministic math grounded in your inputs and current IRS limits, tax brackets, or rate data. Numbers don't lie.
AI weighs tradeoffs
The math gives the answer. The AI explains why this answer fits your specific situation, names the honest tradeoffs, and gives you action steps.
No commission incentive
Verdict recommends WHAT fits your situation, not WHO sells it. We don't take referral fees from HSA providers, mortgage lenders, or insurance carriers.
Your data is not stored
Your wizard inputs are sent to the AI for analysis and discarded. We don't build profiles. Pro users can opt-in to save scenarios for personal reference.
Free first analysis on every Verdict. Returning users see the verdict and math free; AI reasoning unlocks with Pro ($9/month).