The raise chat How one nurse used AI to spot a 22% salary gap and turn it into a $9,400 raise.
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Every chat is a dollar answer
Not opinions, not tips. Questions met with real numbers from real accounts.
Get Started"How much am I leaving on the table at work?"
One chat ended with $4,800 in unused benefits, a 15% salary gap to market, and a $2,000 tax over-withholding. One conversation. Real user. Real dollars.
Read the chatHow much am I leaving on the table at work?
Combined, about $8,000/yr: Here's the breakdown from your Gusto paystubs and benefits:
- Salary gap to market: ~$4,800/yr (you're at the 42nd percentile for your role and city)
- 401(k) match unused: $1,200/yr (you contribute 3%, employer matches up to 5%)
- HSA not maxed: $1,800 of unused pre-tax room → ~$400 in tax savings
- Withholding too high: $3,120/yr sent to the IRS as an interest-free loan
- Commuter benefits unused: $480/yr in pre-tax transit eligibility
Most of it is one-form fixes. Want me to prioritize by ease?
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Four chats worth reading
The tax chat A teacher realizing their $3,000 refund was a free loan to the IRS, adjusting their W-4, and taking home $250 more every month.
The portfolio chat A software engineer finding out one fund switch would grow their portfolio $64,000 more over the next decade.
The subscription chat One query found $340 a month in streaming services, cloud storage, and gym memberships the user had forgotten.
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Thomas Personal CFO
Your default guide for the big picture. Spots what matters and helps you decide what to do next.
Real feedback. See what people say
+$9,400 raise
Asked AI if I was paid fairly. Showed me I was 22% below market. Used the data to get a $9,400 raise.
Emily Martinez
Nurse Practitioner
+$250/mo paycheck
My $3,000 refund was a loan to the IRS. Adjusted my W-4, now I keep $250 more every paycheck.
Sarah Thompson
Teacher
+$64k portfolio
AI showed me one fund switch would grow my portfolio $64,000 more over the next decade. Done.
David Chen
Software Engineer
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