Build a quick snapshot
Add available cash, an income or income range, essential commitments and one important goal. Exact salary is never mandatory.
HOW IT WORKS
Clarity in three moves.
Start with what you know. ixpend will be honest about what it doesn’t.
Ask what you really want to know
“Can I afford this car?” “Should we move?” “Cash or finance?” Ask naturally using text, voice, a screenshot or a product link.
Make the trade-off visible
Get one of four honest outcomes: Safe, Safe with conditions, High risk, or Not enough information—plus a clear route forward.
OUR PRINCIPLE
The maths is deterministic.
The explanation is human.
Tested calculation and forecasting engines produce the numbers. AI helps understand your question and explain the result. ixpend never invents missing financial information.