How Soverene works
You describe your money situation. A deterministic engine runs the numbers. Eva, the assistant, explains the result, and never makes a figure up. Here’s the whole path, start to finish.
Step
1
Tell it your situation
Type it in your own words, or use the guided inputs. Eva asks for what’s missing, one thing at a time, so you’re never staring at a long form. Correct something and it stays corrected. Not sure where to start? Eva suggests a sensible starting point and shows its guess, so you can change it.
See what it assumed
Before any math runs, you see your inputs and anything Eva filled in, marked as assumed. Nothing is slipped in silently. If too much is unknown, it tells you confidence is low instead of handing you a confident-looking plan built on guesses.
Step
2
Step
3
The engine runs the numbers
It computes the plan month by month. No simulations, no dice, the same inputs always give the same answer. It handles up to 8 loans and 6 investment pots, several currencies, and US results after federal and state tax.
See each option in your numbers
Results show what each option does over time, verdict first, then the evidence behind it in the same order every time. The headline leads with what the answer actually hinges on. [Example to show on the page, labelled “Example”: “These two plans come out roughly even if home prices rise about 5.6% a year.”] Tap any number to see exactly how it was reached.
Step
4
Step
5
Compare buying with renting
Weigh buying a home against keeping your money invested while you rent, side by side, with the real costs of owning included: property tax, insurance, upkeep, mortgage insurance and closing costs.
Save it, commit, come back
Save a plan. Commit to the one you choose. Each month, enter your real balances and see how you’re tracking against it.
Step
6
Boring math, on purpose.
The engine’s whole job is to make the arithmetic dull and reproducible, so the decision is the only interesting part. Every figure is something the engine computed or a checked step from one, grounded in standard financial math, not a rule of thumb. The engine can’t fake a number, and the AI can’t overrule the math.
Same in, same out
The same inputs always give the same answer. A result is fully reproducible.
Honest compounding
Rates compound the proper way, with no rounding sleight of hand between annual and monthly figures.
The label is the number
Every chart, line and headline reads from the one set of computed values. What you see is what was computed.
Stress-test it before you commit.
Model an income drop, a market downturn, or both, and see your plan baseline against stressed, side by side, with the difference spelled out.
Leave with something you can keep
Copy a plain-text summary for an email or a note, or save the plan to your account to pick up later.
What it will tell you it can't do
When a question is outside what the engine can model, Eva says so and shows the nearest thing it can do. Today that includes:
Picking specific stocks, funds or accounts
Retirement withdrawal planning
Saving up first and then buying a home
Comparing pairs other than buying vs renting and investing
Planning several goals together (it does them one at a time)
Insurance, legal or tax filing
Put a real question through it.
A loan, a house, a monthly amount. Your first answer takes about a minute.
