For the structurally complex portfolio

Your finances got more complex.
Your tools should too.

Pre-IPO equity you can't easily value. Aging parents creating estate planning pressure. A real estate position interacting with your liquid portfolio in ways you haven't mapped. 7figs.ai handles the complexity your spreadsheet can't — at a price that makes sense.

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Private beta · No pushy salesperson · Access in signup order
Free while in beta. Handle every complexity from day one.

My Portfolio · Complex Positions
Your Complete Financial Picture
Every position, every complexity — modelled together
Now · 4346505662+
IPO Vest · 44
Property · 45
Parent Care · 48
Retire · 58
Portfolio
$2.8M
▲ on track
Monthly
$6,400
▲ sustainable
ESO Value
$1.2M
▲ modelled
Cushion
18.2y
▲ comfortable
The Planning Canvas

See your complete picture. Model every what-if.

Every tab below reflects the same underlying plan. Change a milestone on the timeline and watch the scenarios and lifestyle projections update in real time.

My Portfolio · Complex Positions
Your Complete Financial PictureEvery position, every complexity — drag any milestone to model the impact
Current Plan What if IPO delays?
Now · 4346505662+
IPO Vest · 44
Property · 45
Parent Care · 48
Retire · 58
Projected Portfolio
$2.8M
▲ on track
Monthly Income
$6,400
▲ sustainable
ESO Value
$1.2M
▲ modelled
Years of Cushion
18.2 yrs
▲ comfortable
Scenario A
IPO vests on schedule · Exercise at 44
Projected portfolio at 58$2.8M
ESO after-tax value$1.2M
Monthly sustainable income$6,400
Years of cushion18.2 yrs
Growth trajectory
Year 5
$1.1M
Year 10
$1.8M
Year 15
$2.8M
Scenario B
IPO delays 2 years · Exercise at 46
Projected portfolio at 58$2.3M
ESO after-tax value$940K
Monthly sustainable income$5,200
Years of cushion14.8 yrs
Growth trajectory
Year 5
$880K
Year 10
$1.5M
Year 15
$2.3M
A 2-year IPO delay reduces your projected portfolio by $500K and cuts monthly sustainable income by $1,200. The difference is recoverable with a 12-month increase in savings rate — the plan shows you exactly how much.

Select the lifestyle elements you want to model. Each one interacts with your full financial picture — equity, real estate, parent care costs, and retirement timeline all adjust together.

✈️
Annual travel
$18K/yr · 2 yrs delay
🏡
Vacation property
$85K · one-time
🎓
College funding
$40K/yr · 4 yrs
🧑‍⚕️
Parent care buffer
$30K/yr · 8 yrs
🌿
Early retirement
55 · vs. 58
💼
Sabbatical year
$120K · 2031
With selected lifestyle goals, you're still on track for retirement at 58. Adding parent care buffer shifts retirement by 8 months.
–8 moretirement shift
AI Financial Advisor
Answers based on your full plan · Not generic advice
You
Should I exercise my ISOs now or wait for the IPO?
AI
Based on your plan, early exercise makes sense — but the timing depends on your AMT exposure. You're currently at $820K in regular income this year. Exercising 30% of your options now would add ~$48K in AMT adjustment, which is manageable given your tax cushion. I'd recommend the partial exercise strategy: exercise enough to reset the clock on long-term capital gains, but keep your AMT bill under $62K. Want me to model the after-tax outcomes for all three strategies?
AI
You
Yes — show me all three strategies.
AI
Early exercise: $48K AMT, $320K potential gain, moderate risk. Hold to expiry: $0 now, $580K potential gain, high concentration risk. Partial exercise: $24K AMT, $440K gain, balanced risk. Partial exercise is optimal given your real estate position and parent care timeline.
Insights from your plan
AMT exposure
$48K if exercised now
Action needed
ESO concentration
38% of net worth
Review recommended
Parent care buffer
$0 allocated
Unmodelled risk
Optimal exercise
Partial strategy
Modelled
Complexity, handled

Your approach has worked.
Your situation has outgrown it.

You've managed the basics well — but your financial life has grown structurally more complex than any spreadsheet can handle. 7figs.ai was built for exactly this level of complexity.

ESO Module
Vesting schedules, cliff periods, exercise windows, private company valuations. Three exercise strategies modelled against your full financial picture — not in isolation.
Multi-Position Modelling
Real estate, liquid portfolio, employee equity, retirement accounts — one unified system, not separate line items. See how each position affects the others.
Scenario Planning
IPO delay, early retirement, sabbatical, market drawdown — model any what-if and see the impact on your complete picture, not just one variable.
From investors managing complexity
"I had pre-IPO equity, a rental property, and no idea how they interacted. 7figs.ai's ESO Module modelled exercise strategies I didn't know existed — and showed me how they connected to everything else."
— Beta Tester, 41
"My financial advisor quoted me 1.2% AUM annually to handle what 7figs.ai does for 0.25%. And the tool actually understands my employee equity."
— Beta Tester, 45
"The parent care modelling alone changed my timeline. I'd been ignoring that variable for years because no tool could handle it."
— Beta Tester, 48

Your finances got more complex.
Handle every piece of it.

Private beta · Informational purposes only · Not investment advice

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or

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Private beta · No pushy salesperson · Free while in beta