For independent financial advisors

Give your clients honest calculators they’ll actually use.

Embed our paycheck, cash-flow, and debt tools on your site under your own brand. Same math, your colors, your name on the page — no ads, no lead capture, just a small “Powered by Aplomia” line at the bottom. Free during the pilot.

50 states + DC
Sources cited every result
No client PII collected
Live embed preview — themed for “Heritage Wealth Advisors”/embed/paycheck-snapshot

This is the actual embed surface — your client never leaves your site.

The problem you keep hitting

The free calculator your clients land on is selling them something.

Option A — public sites

PaycheckCity, SmartAsset, NerdWallet

Surrounded by display ads or lead-gen forms. Sources aren't cited. Your client lands there from your site and ends up on a competing advisor's mailing list.

Option B — build it yourself

Custom-built widgets

Three months of dev time, then it goes stale the first time the IRS publishes new tables and nobody on your team notices.

Option C — pay enterprise

RightCapital, eMoney, MoneyGuidePro

$200–$700 per advisor per month for a planner-grade tool, when what you really wanted was a clean paycheck calculator to send to a prospect.

What we do instead

A small set of free, source-cited tools you can drop into your site.

Themed to your brand

Primary color, accent, font, radius — all driven by query params on the iframe. Two values get you most of the way.

Sources cited every result

Every number links to IRS Pub 15-T, the state DOR table, or SSA OASDI rates — with a “last verified” date. Compliance-friendly out of the box.

All 50 states + DC

Same federal math (IRS percentage method) everywhere, plus the right state rules per jurisdiction. Caveats appear with the result if a state has flat tax or no withholding.

No lead capture

No email, no name, no contact details — we never ask your clients to identify themselves, and never sell or share anything. Results compute on our server and are stored only as anonymous, no-PII records. Your prospect stays your prospect.

What you get

Three tools, themed for your firm, deployed in 24 hours.

  • The Paycheck SnapshotReal take-home pay after federal, state, FICA, and W-4 adjustments. All 50 states.
  • The Cash Flow LensWhether the client's monthly numbers add up — where the pressure is, what's loose.
  • The Debt ClockMonths until a debt is gone — and how much sooner with an extra payment.
  • Annual tax-table refreshWe update federal + every state in November, before the new tax year. You don't notice.
  • Theming controlsPrimary color, accent, headline font, body font, partner name — five knobs total.
  • Source attribution & verify datesEvery result links to the IRS or state publication, with a “last verified” timestamp.
  • Runs on your domainDuring pilot onboarding we add your firm's domain to the embed allowlist, so your themed instance can live on your site.
  • No advisory languageEvery result reads as a planning estimate, not advice — directive phrasing is blocked at the codebase level, so there's nothing for compliance to flag.
Pricing

Free while we figure out what’s fair.

Pilot · first 25 firms
$0
For the duration of the pilot · capped at 5 firms per state for now
What we’re being honest about.We don’t know yet what this is worth to you. Our hypothesis is $49–$149/firm/month after the pilot, with multi-advisor and white-label tiers above that. We’re not committing to a number until we’ve seen which features pilot firms actually use. Pilot firms get locked-in pricing at whatever we settle on.
Apply for the pilot →
FAQ

Common questions.

Who's behind this?

Aplomia is a small team building consumer financial decision-support tools. We're independent and bootstrapped — no VC pressure to monetize your clients.

Will my clients see “Aplomia”?

Only as a small “Powered by Aplomia · {Your Firm}” line at the bottom of the embed. Your firm's name and brand sit at the top.

Is this compliance-friendly?

Every calculator labels itself as a planning estimate, links to the underlying tax-table source, and shows a “last verified” date. Advisory verbs are blocked at the codebase level.

Can I see what changed when the tables update?

Yes. Each calculator carries a CALC_VERSION recorded with every saved result, and we publish a changelog when federal/state tables shift between tax years.

What if I want a tool you don't have?

Tell us. Tools are added when there's clear demand from pilot firms — for example, an emergency-fund sizer or a Roth-conversion estimator. Pilot firms shape the roadmap.

How do I get started?

Send us a note. We'll set up a 20-min call, configure your theme, and send back an embed snippet you can paste into your site that day.

Try it on your own site this week.

The pilot is capped at 25 firms total and 5 per state. If you’d rather see it before committing, the live preview at the top of this page is the real thing.