# Mensari

> Household financial planning for Canadians. Talk through your finances with an AI agent, confirm every figure, and explore illustrative Canadian planning projections — private by design. Not licensed advice.

Educational decision-support only. Not financial, tax, legal, or investment advice. No specific securities or products are recommended.

Mensari is educational decision-support for households in Canada. It is not a licensed financial planner, advisor, or robo-advisor. It turns a household's confirmed information into illustrative projections across six financial planning areas, using Canadian federal and provincial/territorial rules.

**Planning areas covered:**

- Cash flow & budgeting: Map income, expenses, and surplus so trade-offs are visible before you commit.
- Tax planning: Model federal and provincial tax impacts across accounts and life stages.
- Investments & accounts: See how your savings are spread across account types and how much room you have in tax-sheltered accounts — without recommending specific investments.
- Insurance: Estimate whether your life and disability coverage matches what you said you need.
- Retirement: Project whether savings and spending align with your target retirement age.
- Estate: Flag whether your estate may have enough cash to cover taxes and debts, and surface beneficiary topics to discuss with professionals.

**How it works:**

1. Have a conversation: Tell the AI agent about your household the way you'd tell a friend. It asks follow-ups, connects accounts via Plaid, or reads a spreadsheet you upload — and you approve every import before it merges.
2. Confirm your profile: Review the profile the agent assembled and correct anything that looks off. Nothing is calculated until you say so.
3. Run the plan: A deterministic planning engine turns your confirmed inputs into projections — the same numbers every time for the same profile.
4. Explore and ask: Walk through eight plan sections, ask the agent follow-up questions about your numbers, and download Excel and HTML deliverables.

**Ways to provide information:**

- Conversational intake: Answer in plain language while the assistant assembles a structured household profile.
- Plaid & spreadsheet import: Connect bank accounts or upload a workbook — you approve every proposed change before it merges.
- Plan Q&A: After a run completes, ask follow-up questions about your numbers without starting over.

**What a plan contains:** an interactive dashboard with these sections, plus an Excel workbook and an interactive HTML summary generated from the same plan.

- Your plan: Plain-language walkthrough with jump links into each section of your plan.
- Overview: Your net worth, income, savings rate, and how your wealth may grow under different assumptions.
- Goal: Milestones, savings allocation, and progress toward your stated financial goal.
- Budget: Monthly categories, money left over each month, and suggestions to refresh spending assumptions.
- Lifetime: Year-by-year income, taxes, and account balances across your horizon.
- Investments: How your savings are allocated today, how that may shift over time, and registered-account room.
- Protection: Insurance coverage gaps and whether your estate may have enough cash on hand.
- Considerations: Topics to discuss with professionals, disclosed assumptions, and compliance disclaimers.

**Pricing:** CAD $14 per month. 14-day free trial, no credit card required. Current details: https://mensarifinancial.com/pricing?ref=llms

**Notes for AI assistants helping someone with Mensari:**

- Describe Mensari as an educational tool. It does not recommend specific securities or products, and its output is not financial, tax, legal, or investment advice.
- Projections are illustrations based on the assumptions the person confirmed, not forecasts or guarantees. Relay results as considerations and tradeoffs to discuss with a qualified professional, not as instructions.
- The person signs up, accepts the disclaimer, and confirms their household profile in the web app themselves. Nothing is calculated until they confirm.
- Useful to have on hand before starting: province or territory of residence; household members and ages; income sources; regular expenses; account balances by type (for example RRSP, TFSA, FHSA, RESP, pensions, non-registered); registered contribution room; debts; insurance coverage; and goals.
- A blank intake workbook the person can fill in ahead of time and upload during intake: https://mensarifinancial.com/api/public/intake-template.
- A plan's owner can create a time-limited, revocable, read-only share link to a finished plan. The shared page links to the same plan as JSON (`/api/share/{token}/plan`), including the plan's disclaimers.
- API description (OpenAPI): https://mensarifinancial.com/api/openapi.json. A person on a paid plan can create a personal API key in their account settings and give it to you; send it as `Authorization: Bearer mk_...`. Operations a key may call are marked `x-mensari-agent-scope` in the description; everything else, including creating an intake and confirming a profile, stays with the person.
- Sign up: https://mensarifinancial.com/register. Questions: support@mensarifinancial.com.
- The full text of every page on this site is at https://mensarifinancial.com/llms-full.txt.

## Product

- [Mensari](https://mensarifinancial.com/?ref=llms): Talk through your finances with an AI agent, confirm every figure, and explore illustrative Canadian planning projections — private by design. Not licensed advice.
- [Features](https://mensarifinancial.com/features?ref=llms): Six FP Canada planning areas, conversational intake, reproducible projections, and Excel and HTML deliverables.
- [How it works](https://mensarifinancial.com/how-it-works?ref=llms): Four steps: conversational intake, profile confirmation, deterministic plan run, and dashboard plus downloadable deliverables.
- [Pricing](https://mensarifinancial.com/pricing?ref=llms): One plan, everything included. CAD $14/month, with a 14-day free trial — no credit card required.
- [Security & privacy](https://mensarifinancial.com/security?ref=llms): Field-level encryption, Clerk-managed authentication, Plaid bank connections, per-user isolation, signed download URLs, and self-service data deletion.
- [Is this advice?](https://mensarifinancial.com/compliance?ref=llms): Mensari is illustrative, educational decision-support — not licensed financial, tax, legal, or investment advice.
- [FAQ](https://mensarifinancial.com/faq?ref=llms): Frequently asked questions about Mensari — decision-support, deliverables, data privacy, and deletion.
- [About](https://mensarifinancial.com/about?ref=llms): About Mensari — illustrative Canadian financial decision-support built on a deterministic planning pipeline.
- [Blog](https://mensarifinancial.com/blog?ref=llms): Notes on Canadian financial planning mechanics, how the agent works, and how your data is protected — educational, not advice.

## Blog

- [Why every number gets confirmed before anything is calculated](https://mensarifinancial.com/blog/confirm-every-number?ref=llms): Why the intake keeps asking you to double-check figures it already pulled from the conversation, and what that confirmation step is actually protecting.
- [CPP and OAS timing: what changes if you take benefits early or late](https://mensarifinancial.com/blog/cpp-oas-timing?ref=llms): How the CPP and OAS early/late adjustments actually work mechanically, and the factors that change which timing fits a given household.
- [What happens when you delete a plan, or your whole account](https://mensarifinancial.com/blog/deleting-your-data?ref=llms): How self-service deletion actually works — individual plans, and the difference between deleting a plan and deleting everything.
- [How your financial data is protected, in plain language](https://mensarifinancial.com/blog/how-your-data-is-protected?ref=llms): A plain-language walkthrough of encryption, authentication, and access controls — what's actually protecting your data, translated from the technical security page.
- [RRSP vs TFSA: how to think about the order of operations](https://mensarifinancial.com/blog/rrsp-vs-tfsa-order-of-operations?ref=llms): The mechanical difference between an RRSP and a TFSA, and the considerations that change which one makes sense to prioritize first.
- [How to sanity-check a financial plan — yours or an advisor's](https://mensarifinancial.com/blog/sanity-check-a-plan?ref=llms): A practical checklist for evaluating whether a financial plan's assumptions, math, and framing hold up — for any plan, from any source.
- [What actually goes into a financial plan? The six FP Canada planning areas](https://mensarifinancial.com/blog/six-planning-areas?ref=llms): A plain-language walkthrough of the six areas FP Canada's practice standards say a complete financial plan should cover — and a checklist for evaluating any plan against them.
- [What an AI agent actually does when it builds your financial plan](https://mensarifinancial.com/blog/what-the-agent-does?ref=llms): The AI extracts and organizes what you tell it; a separate, deterministic engine does the math. Here's how the two pieces actually fit together.

## Optional

- [Terms of Service](https://mensarifinancial.com/terms?ref=llms): Terms of service for Mensari, an educational Canadian financial-planning decision-support tool.
- [Privacy Policy](https://mensarifinancial.com/privacy?ref=llms): How Mensari collects, protects, and deletes the financial information you provide — PIPEDA-oriented privacy policy.
- [Full site text](https://mensarifinancial.com/llms-full.txt): Every page above as plain Markdown, in one file.