Ask Linc

Ask Linc is an AI financial planner that connects to your accounts, answers questions like retiring early or buying a home, and shows the inputs, assumptions and math behind each plan. One plan, free for 30 days.

Ask Linc is an AI financial planning assistant built around a simple loop: link your financial accounts, describe a decision in plain language, and receive a plan that can be explored and adjusted. Typical questions include whether retirement at 55 is realistic, whether a house purchase fits, or what taking a year off would cost. Linc asks clarifying questions, pulls the relevant figures together, runs the analysis and explains the tradeoffs between options. The product is aimed at individuals and households who want more than a generic budgeting app or a chatbot guess. Users connect bank and investment accounts through read-only connections, then add anything missing such as a home or loans. Those numbers feed the plan. In the retirement example shown on the site, Linc compares two retirement dates against hundreds of historical test periods, reports how many plans lasted to age 95, and surfaces median portfolio values and initial withdrawal rates. A clearly labeled disclaimer notes that past results are not a forecast. Transparency is the main differentiator. A Show the Math view lays out the inputs Linc used, the assumptions the plan depends on, how the result was calculated and where the information came from. Changing an assumption, such as a retirement date, a travel budget or a down payment size, is done by asking a follow-up rather than editing a spreadsheet. The company states that Linc cannot move money and that financial data is not used to train AI models, with separate pages covering trust and data protection. Among alternatives, Ask Linc sits between spreadsheet-based retirement calculators, traditional robo-advisors and general-purpose AI chatbots. It emphasizes calculated results over free-form text generation, which is the pitch behind its claim of avoiding hallucinated math. A public demo, a retirement calculator and a use-case page let prospective users test the approach before connecting accounts. Pricing is a single subscription plan with full access after a 30-day trial.