Built for students & new grads

Know what to do with your money

down to the dollar. over your lifetime. in exact order. as your life changes.

Dividnd takes your financial data, forecasts your future, and generates an updating action plan. Join the waitlist to see a preview.

Join the waitlist See an example

Free forecast + tax math the moment you join the waitlist.

Your financial brain is

Ingest everything

accounts, income, goals, taxes

See the full picture

your whole money life, mapped live

Forecast your future

watch where each choice leads

Know your next move

one plan, always up to date

How it works

Answer a few questions and Dividnd handles the rest.

the game plan

Soon

We tell you exactly what to do.

Your game plan

202620292030+

3 moves this month · $40k/yr to your future

Max your 401(k)pre-tax, straight off your paycheck$23,500/yr

Grab the full matchfree moneyemployer money, vested day one+$12,250/yr

Max your HSAtriple tax-free, then invest it$4,400/yr

one click, done

Soon

Then we execute it for you.

One tap, we move the money

CChase HYSA

$35,000

FFidelity VTI

$35,000

Put your idle cash to work

$23,900

CHYSAFBrokerage · VTI

Execute

Plaid + Alpaca · bank-level security

future you says thanks

Free now

Watch your future actually grow.

Future you, unlocked

The gap by 65

+$3.2M

retire
at 55

With Dividnd

$5.8M

Without a plan

$2.6M

Where it grows

Brokerage401(k)MatchRoth

always in the loop

Free now

Life happens. Just tell us.

Just tell us what's up

Thinking about a $30k car this fall

Got it! Paused brokerage top-ups for 3 months to cover it, your emergency fund stays untouched.

Plan updated · car added for 2031

I got a raise!Add a car loanWhat if I retire at 50?

Tell us what changed…

Every other app hands you a tool. We hand you the answer.

Charts and dashboards still leave the thinking to you. We hand you the full plan so you can get on with your life.

	Dividnd	Robo-advisor	Financial advisor	Google it yourself
Tells you the exact next move	Yes	It's just a tool	Sometimes	You're on your own
A whole plan, built for you	Yes	No	eh, sort of	No
Finds the sneaky good strategies	Yes	No	eh, sort of	No
Knows your real financial picture	Yes	eh, sort of	eh, sort of	No
Keeps up when life changes	Yes	eh, sort of	No	No
No $10M minimum, no $500/hr	Yes	Yes	No	Yes

Nobody hands you a manual for this.

The people with $10M+ get a private banker. Everyone else gets Google and YouTube. Dividnd closes that gap.

$10M

the minimum for a private banker

$500/hr

what good advice usually costs

new grads a year with zero plan

Built by people who’ve actually done this.

Morgan Stanley

Quantitative Research, Asset Management

JPMorganChase

Wealth Management & Consumer, Community Banking Data Science

LegalOS (YC W26)

Founding Engineer

We’re the target user. We felt this exact problem ourselves.

What is Dividnd?

Dividnd is a financial planning app for students and new grads. Tell Dividnd your real numbers and it builds a live picture of your money, forecasts your future net worth, and shows the exact tax math behind every number, all for free. A personalized action plan that tells you what to do next is on the way; join the waitlist to get it first.

Dividnd is not a dividend or portfolio tracker. It is a forward-looking planner that turns your data into a clear next move.

Let’s build your plan.

Join the waitlist See an example

Free forecast + tax math the moment you join the waitlist.