How much you can safely spend every year — and exactly what the IRS takes — solved across your portfolio, real estate, and five-entity tax picture. Not a projection. A number.
Accounts that sync themselves. No spreadsheets, no manual entry.
I'm a Chief Financial Officer managing five legal entities, commercial real estate, a dozen brokerage and bank accounts, and a tax picture no consumer app understood. I got tired of paying $5,000+/year for software that couldn't model a 1031 exchange, passive-loss carryforwards, or the Social Security tax torpedo. So I built the tool I needed — and now you can use it too.
— Mark, founder of ClearAxis CFO
Two real optimizer runs on the same wealth. The only thing that changes is one question — do you want to leave an estate, or spend it all down? Watch the number, the fan chart, and the legacy move.
Most tools show you a projection. ClearAxis CFO tells you how much you can actually spend — and exactly what the IRS takes.
The safe annual spend, solved — not guessed. Go-go / slow-go / no-go smile curve with an LTC overlay, run against 10,000 Monte Carlo paths.
Watch every dollar flow from income through federal + CA brackets, IRMAA, and RMDs. See the tax you'll actually pay — and how to shrink it.
Connect most major banks and brokerages — balances and holdings sync automatically. No spreadsheets, no manual entry — ever.
Cash flow, IRR, DSCR, cap rate, 1031 exchanges, PAL carryforward — residential and commercial.
Roth conversion optimizer, IRMAA cliff detection, SS tax-torpedo analysis, three-bucket withdrawal sequencing.
Ask anything across every account, scenario, and tax year. Built on your real numbers — math stays in Python, never guessed.
| Capability | ClearAxis CFO | Projection tools | Spreadsheet + Advisor |
|---|---|---|---|
| Linked accounts (auto-sync) | ✓ | ✗ manual entry | ✗ |
| Spending Optimizer (smile curve) | ✓ | ✗ | ✗ |
| Tax Sankey + bracket modeling | ✓ | partial | ✗ |
| 1031 / PAL | ✓ | ✗ | advisor only |
| Monte Carlo (historical bootstrap) | ✓ | ✓ | ✗ |
| Annual cost | $199–$1,499 | $100–250 | $5,000–$30,000 |
The tax math runs in code — IRMAA cliffs, AMT, RMDs, Roth conversions, NIIT, 1031 exchanges, the Social Security tax torpedo. AI only translates the result into plain English. Every number is reproducible, and you can open “Show My Work” to see the exact formula and inputs behind it.
Founding members lock 40% off for life — only 50 seats.
vs. a 1%-AUM advisor on $2.5M = $25,000/yr. Family Office is a rounding error.
Reserve your founding seat now. Lock 40% off for life, get access when we open Oct 1, and help shape the roadmap.