Answer financial planning questions in minutes.
Turn one-off planning questions into branded, client-ready models and reports — in the meeting, without rebuilding a full plan.
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Every model is free to run. No account, no limits, no credit card.
The one-off problem
Your planning software is great at the big picture. It's not built for the question in front of you.
Clients ask questions that do not need a full financial plan. What should they save annually for retirement? How does their withdrawal rate affect their long-term financial health? What is the target amount to save for college?
So you either rebuild the plan or rebuild the spreadsheet. Both take hours you don't have, and the output still isn't client-ready or branded to your firm.
How it works
Enter the inputs. Get the analysis. Send it in your brand.
Simple data entry
Straightforward inputs: balances, cash flows, time horizon, etc. No data migration, no client onboarding, no setup call. A junior associate can run it after a five-minute walkthrough.
See the full analysis
Charts, key data metrics, editable AI summary with custom prompts options, and data tables detail how every number was derived with your assumptions documented alongside the output. Compare scenarios side by side.
Send it in your brand
Your logo, your colors, your disclosures. Export a clean PDF or email it to the client directly. The deliverable looks like your firm's own work because it is.
Built for advisors
Deeper than a calculator. Faster than a plan.
Historical market return simulations, not just a flat growth rate
Most calculators and Excel models apply a single flat return. Ours include that, then run your cash flows through actual historical market environments, so you can show a client the range of outcomes, not one smooth line that never happens.
Every number shows its work
Complete data tables in every model outline exactly how each figure was calculated. Assumptions are documented on the report. Every model carries a version and a figures-as-of date. When a client – or a compliance officer – asks how you got there, the answer is already in the output and saved to your account.
Your brand, not ours
Logo, colors, custom disclosures, PDF export, client email. The deliverable is your brand, not ModelLayer.
Your own narrative
AI drafts a summary of the model's own output that you can edit or remove entirely. No predictions or recommendations and it can't introduce numbers you didn't enter.
ModelLayer AI Chat
Our AI planning assistant can answer questions about the model you're working on, as well as general financial planning questions. It explains what you need in plain English.
Built by an advisor, not just a prompt
Most planning software is built by developers who interviewed advisors. ModelLayer is built by an advisor who knows the math. After a model is built, it is audited by AI for errors and confirmed by an advisor before it ships. Output is tested against the underlying Excel. AI never builds the model.
The library
A new model every other week.
ModelLayer is a growing library of focused planning models, each built to answer one question properly. Every model is free to run, so you can see exactly how it works before you spend anything.
Need a model that isn't here? Tell us. Model requests from advisors set the build order.
See the Library
No rip and replace
Keep your planning software. This is the layer on top of it.
ModelLayer isn't a planning suite and doesn't try to be. If you use eMoney, MoneyGuide, or RightCapital, keep them — they're built for comprehensive plans and they do that well.
ModelLayer is for everything in between: the one-off question, the second scenario, the thing a client asks in a meeting that doesn't justify rebuilding a plan.
No integration. No data migration. Just simple data entry.
For the review
Built to survive a compliance conversation.
Your disclosures, per model.
Add your firm's language. It appears on every output and is customizable to each model.
Complete output control.
Keep the charts, key data metrics, data tables, and any other part of the report you like and remove whatever you don’t – you control what the client sees.
Full derivation.
Data tables show how every figure was calculated. Methodology and assumptions are documented.
Version stamped.
Every model and every output carries a version and a figures-as-of date.
Editable or Removable AI Summary
The AI summary is drafted only from this model's output and cannot add figures that were not entered. It contains no predictions or recommendations, and the advisor can edit or remove it before the report is shared.
AI never sees a client's name, DOB, or contact details
Names, dates of birth, and contact details are removed before any request reaches the AI. It works from the figures and anything you type into a custom prompt. Nothing it sees is stored or used for training, and every account has an off switch.
Encrypted end to end.
The app, API, database, and file storage all run on Cloudflare's network, encrypted in transit and at rest. Every record is tied to the account that created it and is only ever returned to that account. Password-protected PDFs use AES-256, and you can delete your account.
Nothing we shouldn't have.
We never ask for account numbers or credentials to any other institution.
Compliance Ready PDF Handout
Share with your compliance officer to show how ModelLayer handles disclosures, calculations, AI, client data, security, and other compliance related needs.
Download PDF
Pricing
Free to run. $9.99 a month for the model you actually use.
Every model is open and unlimited without an account. When you need branded output — PDF export, custom disclosures, client email, saved models — unlock that model for $9.99 a month or $99 a year.
No library commitment · No annual contract · No sales call
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For websites and platforms
Put a ModelLayer model on your own site.
Advisor website platforms, banks, and credit unions can license any ModelLayer model as an embedded, fully branded calculator — modern output, real modeling depth, and lead capture built in.
Talk to Us About Embedding
Client-ready decision outputs in minutes. Without rebuilding a full plan.
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