ThroughlinePrivate preview
A lifelong assistant to make sure you hit your goals

Command what matters. And know how to get there.

Your whole financial life as one living picture: the goals you choose, the path to reach them, and an agent to keep you on track. Not a budgeting app, but the first place that sees, and steers, your whole future. Often the life you want is already within reach; you just haven’t been able to see it yet.

See your own, join the preview → Free to see your life, pay if you want help managing it.
Profile 1 of 4 · low earnerHome Health Aide · $15k · age 34Steward, today: on track
a move abroad · about 18 yrs sooner 67 to Social Security 49 work-optional
Profile 2 of 4 · middle earnerSoftware Engineer · equity grant · age 31Steward, today: one change to make
grant plus a move · 8 yrs sooner 59 current path 51 work-optional
Profile 3 of 4 · college plannerPublic School Teacher + Electrician · $304k · age 42Steward, today: on track
$280k college · 2 kids · planned, covered college years 59 work-optional
Profile 4 of 4 · high earnerBusiness Owner · $28.7M · age 55Steward, today: on track
tax legally avoided, kept 55 already work-optional estate grown, tax kept
See and manage your whole life
one living plan, kept current for you
the plans it produces for you
Relocation plan
phased · dated
Equity decoder
value · timing · tax
Tax plan
only what fits
Steward, today June 22, 2026
Your living Lifeline is up to date.
✓Net worth $2.9M, work-optional from 2031.
✓Money lasts to age 95, 80% confident.
Nothing needs your attention today. Sleep well, you are in command.
A caregiver: a move abroad, free 18 years before Social Security.
An engineer: his match, his equity, and a move, free 8 years sooner.
A family: two children in college, $280k over six years, planned years ahead and covered without a crisis.
A business owner: the tax lever quietly keeps $80k a year.
Then a real plan for whichever lever is yours.
A daily read, so you sleep at night, in command of your life.
Try it yourself

Move one thing. Watch your whole future move.

This is a real mid-career life (a public school teacher, $164k today, age 38), drawn from real U.S. data. Drag the one lever below and watch the age they could stop working slide with you. Yours works the same way, on your own numbers.

Save more each month+$0/mo
nothing extra+$1,500/mo

Even a small, steady change moves the whole arc. See your own when onboarding begins →

They could stop working at
age 57
on the current path
Current path 57 57 work-optional
Representative life from real data. Your own Lifeline is derived from your numbers.
The money most people never see

Every year, Americans leave tens of billions on the table, because no one ever shows them their own life.

Grants left unexercised. Free retirement match unclaimed. Tax credits never taken. Not from carelessness, but from never being able to see what their financial life actually holds. Throughline shows it, grounded in real data, in one picture.

Equity grants
$1.8B
in vested stock options walked away from in a single year, about $47,000 each, just by not acting in time.
Carta, 2022 · ~50,000 employees
Retirement savings
$24B
in free employer 401(k) match left unclaimed every year. 1 in 4 workers miss the full match, about $1,336/yr each.
Financial Engines, 2015 · 4.4M savers
Taxes
$7B
in Earned Income Tax Credit goes unclaimed yearly, and nearly 1 in 5 eligible workers never take it.
IRS / Treasury Inspector General
And the deepest cost of all
1 in 3working Americans can never afford to stop working before Social Security.
5 years soonerto work-optional for the typical person, just from the levers they leave untapped.
50, not 67a worker barely getting by could be work-optional, just by moving where their money goes further.

The biggest lever in the country is the one people assume is out of reach.

All derived live across 624 real-data profiles. See the supporting data below.

This isn't a guess. It's the data.

Every number in Throughline is derived from published U.S. sources (the Federal Reserve, the Bureau of Labor Statistics, the Social Security Administration) and re-checked against them on every build. Nothing is made up.

$192k
median U.S. household net worth (Fed SCF 2022)
~3.8%
average personal savings rate (BEA 2024)
$1.9M
net worth to reach the top 10% (Fed SCF)
~$2,900
average Social Security retirement benefit / mo (SSA)
See the full Mirror of Society →  ·  Methodology + every source: Data provenance →

See it in real lives.

A cross-section of America, each one a complete Lifeline, every figure derived from real data, none hand-typed. From getting by to the ceiling. Click any life to see the whole picture, the levers, and a downloadable plan.

Getting by
Home Health Aideage 34
$15knet worth today
Works to 67, then Social Security
Social-Security-dependent
See this Lifeline →
Single household · 30th percentile (below the median) for age 34 · ~$30k household income + Social Security
Why this sample: Low-income service worker: the largest U.S. occupational group; SS-dependent retirement.
Food Service Workerage 29
$12knet worth today
Works to 67, then Social Security
Social-Security-dependent
See this Lifeline →
Single household · 25th percentile (below the median) for age 29 · ~$26k household income + Social Security
Why this sample: Young low-wage / gig worker: thin assets, the "can I ever get ahead?" case.
Medical Assistantage 36
$60knet worth today
Works to 67, then Social Security
Social-Security-dependent
See this Lifeline →
Family w/ kids household · 30th percentile (below the median) for age 36 · ~$35k household income + Social Security
Why this sample: Single-parent household: vulnerable, kids, low buffer; a most-common at-risk life.
Customer Service Repage 23
$31knet worth today
Works to 67, then Social Security
Social-Security-dependent
See this Lifeline →
Single household · 45th percentile (around the median) for age 23 · ~$38k household income + Social Security
Why this sample: Pre/early-career start: proves the "begin before you earn" universality.
The broad middle
Public School Teacherage 38
$164knet worth today
Work-optional at 57
See this Lifeline →
Single household · 55th percentile (around the median) for age 38 · ~$66k household income · pension $36k/yr + Social Security
Why this sample: Mass public-sector professional at the population median wage.
Public School Teacher + Electricianage 42
$304knet worth today
Work-optional at 59
See this Lifeline →
Family w/ kids household · 70th percentile (above the median) for age 42 · ~$155k household income · pension $43k/yr + Social Security
Why this sample: Dual-income family with kids: the median American household shape.
Accountantage 27
$156knet worth today
Work-optional at 62
See this Lifeline →
Single household · 78th percentile (above the median) for age 27 · ~$109k household income + Social Security
Why this sample: Early disciplined saver (FIRE-leaning): shows the power of starting young.
Police Officerage 62
$440knet worth today
Work-optional at 62
See this Lifeline →
Dual-income household · 55th percentile (around the median) for age 62 · ~$78k household income · pension $47k/yr + Social Security
Why this sample: Near/at retirement: SS + pension reality, drawdown begins.
Registered Nurseage 45
$364knet worth today
Work-optional at 64
See this Lifeline →
Single household · 60th percentile (around the median) for age 45 · ~$104k household income + Social Security
Why this sample: Registered nurse: one of the largest skilled professions; mid-career median.
High earners
Software Engineerage 31
$177knet worth today
Work-optional at 59
Equity
See this Lifeline →
Single household · 80th percentile (above the median) for age 31 · ~$188k household income + Social Security
Why this sample: Startup/tech employee with equity: the equity-decoder GTM segment.
Business Ownerage 52
$1.5Mnet worth today
Work-optional at 60
See this Lifeline →
Family w/ kids household · 88th percentile (top decile) for age 52 · ~$244k household income + Social Security
Why this sample: Business owner: illiquid wealth, pre-exit; a distinct wealth shape.
Physicianage 40
$671knet worth today
Work-optional at 61
See this Lifeline →
Family w/ kids household · 85th percentile (top decile) for age 40 · ~$361k household income + Social Security
Why this sample: High-income professional: late start, high earnings, family.
Top decile
Software Engineer + Software Engineerage 36
$1.3Mnet worth today
Work-optional at 54
Equity
See this Lifeline →
Dual-income household · 90th percentile (top decile) for age 36 · ~$452k household income + Social Security
Why this sample: Dual-tech high earners with equity: top-decile accumulation.
Senior Executiveage 49
$2.9Mnet worth today
Work-optional at 54
Equity
See this Lifeline →
Single household · 94th percentile (top decile) for age 49 · ~$400k household income + Social Security
Why this sample: Senior executive with equity: the offer/equity-decoder hero case.
The ceiling
Business Ownerage 55
$28.7Mnet worth today
Work-optional at 55
Equity
See this Lifeline →
Single household · 100th percentile (top decile) for age 55 · ~$494k household income + Social Security
Why this sample: UHNW ceiling (top ~0.2%): the aspirational ceiling + legacy lens.

See your own when onboarding begins.

Enter a little about yourself and watch your life render as a Lifeline: the age you could stop working, and that the money lasts. Free to see. Be first in when onboarding begins.

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Free to see your life, pay if you want help managing it.
Throughline renders your financial life across its whole arc, grounded in real data and the forces that touch every life: income, saving, Social Security, pensions, healthcare, taxes, and time.
Sources: Federal Reserve SCF 2022 · BLS OEWS May 2024 · U.S. Census 2024 · BEA · SSA · Carta · Financial Engines · IRS/TIGTA. Figures are representative, in today's dollars. Private preview.

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