Worthune

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About Worthune

Worthune provides headless financial planning and wealthtech infrastructure through a single API, enabling developers to integrate calculators, planning engines, and unified household management into their products. The platform offers 61 models across nine families, including retirement, refinance, and Social Security timing tools, which can be embedded via script tag, REST calls, or MCP for AI copilots. The household engine supports year-by-year projections, longevity-aware Monte Carlo simulations, and coordinated strategies such as withdrawal sequencing and Roth ladder planning. All models are spec’d, versioned, and concordance-tested, with statutory changes sourced and dated in a changelog. Every response includes a hashed evidence record, pinned spec version, and cited sources for auditability. The platform supports white-labeling, allowing products to conform to a brand’s UX, themes, and workflows without exposing Worthune’s identity. Integration options include REST API, MCP server, SDKs for npm and PyPI, and embeddable calculators, enabling rapid deployment with minimal setup.

Key features

  • 61 models across 9 families
  • Year-by-year household projections and Monte Carlo simulations
  • Coordinated financial strategies (withdrawal sequencing, Roth ladders, IRMAA management)
  • REST API, MCP server, and SDKs for npm and PyPI
  • Embeddable calculators via script tag
  • White-label tenant branding and custom domains
  • Bulk import with dry-run and aggregator adapters
  • Signed webhooks for real-time drift detection

Use cases

  • Embedding verified financial calculators into existing products
  • Building planning features or full planning software without developing the math
  • Unified household management with real-time updates and client portals

Pros

  • Headless API-first architecture with REST, MCP, and SDKs
  • Spec’d, versioned, and concordance-tested models with changelog tracking
  • Unified household management with versioned records and drift webhooks
  • White-label support with custom themes, domains, and disclosures
  • Evidence-backed responses with hashed records and cited statutory sources

Cons

  • No free tier beyond three sandbox models
  • Requires integration via API or embeds
  • Pricing starts at $495/month for full access

Frequently asked questions about Worthune

What is Worthune and what does it do?

Worthune provides headless financial planning and wealthtech infrastructure through a single API, enabling developers to integrate calculators, planning engines, and unified household management into their products. It offers 61 models across nine families, including retirement, refinance, and Social Security timing tools.

Who is Worthune designed for?

Worthune is designed for developers and companies building financial products, such as fintech platforms, wealth management tools, or AI copilots that require accurate, verifiable financial calculations and planning capabilities.

How can I integrate Worthune into my product?

Worthune supports integration via REST API, MCP server for AI copilots, SDKs for npm and PyPI, and embeddable calculators. It also offers white-labeling to align with your brand’s UX and workflows.

Does Worthune provide evidence for its calculations?

Yes, every response from Worthune includes a hashed evidence record, pinned spec version, and cited sources for auditability. This ensures transparency and accountability for all calculations and recommendations.

Can I start using Worthune without an API key or payment?

Yes, Worthune allows users to start for free with no API key or payment required. Users can explore models and run computations without any upfront costs.

How does Worthune handle statutory changes in financial rules?

Worthune sources statutory changes directly from primary sources, versioning and re-verifying them before they impact user calculations. This ensures compliance and accuracy without requiring users to manage these updates themselves.

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