Hi HN,

I’m Alex. I previously worked as an engineer at Google, and I’m building Nauma (https://nauma.ai).

The idea came from trying to plan my own finances and watching friends in tech do the same. Once you have equity compensation, uneven income, high taxes, and early-retirement decisions, spreadsheets become fragile and hard to use very quickly. It's hard to reason about taxes, timing, and uncertainty at the same time.

The alternative most high-net-worth families use is advisor software behind an AUM model. In practice, that means paying ~1% of assets every year, with costs rising as portfolios grow. More importantly, that model tends to bias advice toward keeping assets managed, even when people want to use their money (buy a house, start a company, diversify a concentrated position, donate, or retire earlier). Nauma stands for "No AUM".

Nauma is an attempt to build the tool I wish existed: transparent, scenario-driven financial planning that lets people reason about tradeoffs themselves. Instead of focusing on investments, Nauma focuses on life decisions and shows their long-term tax and cash-flow impact.

What it does

Models long-term projections with multiple scenarios (retire early vs. later, move states, rent vs. buy). Handles U.S. tax complexity (progressive brackets, capital gains, RMDs, Roth conversions). Models taxation across account types (brokerage, 401(k), IRA, Roth, 529, HSA). Helps users reason about long-term goals and tradeoffs, including the risk of over- or under-saving. Connects brokerage accounts to track net worth and investments automatically. Designed for people with equity compensation, uneven income & expenses, or non-linear careers

The goal is to make advisor-grade modeling accessible without requiring blind trust in a black box or paying ongoing fees tied to asset size.

The app is live at https://nauma.ai.

You'll need to sign up, but then you can try the demo mode. You can explore scenarios, connect your brokerage accounts for free, and I’m especially interested in feedback on modeling assumptions, edge cases, and where this approach breaks down.

Happy to answer questions or discuss how others here think about long-term planning.

Show HN: Nauma – financial planning for people in tech