// How it works
Financial guidance, built around you.
Circe is not a budgeting app. Not a robo-advisor. A financial confidence guide powered by a proprietary model that accounts for who you are — not just what you earn.
// In three steps
01
Create your account
Quick signup — just your name, email, and password. No credit card. You are in the platform in under 60 seconds.
02
Tell Circe about you
A short onboarding covers your income, housing, lifestyle, values, and identity. The more Circe knows, the sharper her guidance.
03
Get your plan
A dashboard with your net worth, take-home, and goals — plus Circe on call for every decision.
// Proprietary model
The Circe Index.
Standard financial advice was built for a standard person — usually white, straight, cisgender, no career gaps, single income. The Circe Index corrects for this with four proprietary pillars.
01
Intersectional wage adjustment
Circe adjusts your salary benchmarks, savings targets, and retirement projections based on documented wage gaps by race, gender identity, and sexual orientation. Your "what you should be earning" is calibrated to your actual identity.
02
Values-weighted allocation
Standard budgets treat every person the same. Circe uses what you said matters most — travel, homeownership, early retirement, giving back — to weight your plan differently. If travel is non-negotiable, it is built into your baseline.
03
Life-stage aware planning
A 25-year-old needs different guidance than a 50-year-old. Early career: build the foundation. Mid-career: maximize and optimize. Later career: catch-up contributions. On a career break: protect what you have built.
04
Compounding wealth gap
Circe shows you the real lifetime cost of your specific wage gap — not as a political statement, but as actionable data. If you are earning $46,000 less than your benchmark, that is over $6.7M compounded across a career.
// The platform
Everything in one place.
Your dashboard
Net worth, take-home, total debt, retirement projection — updated in real time. Plus a daily lesson from Circe.
Salary coach
Tell Circe your offer and target. She gives you a specific counter number, word-for-word scripts, and what to say when they push back.
Debt planner
Enter your debts. Circe calculates the avalanche and snowball payoff methods — showing exactly how much interest you save with each.
Tax optimization
Circe finds every legal way to reduce your tax bill: 401k gaps, HSA opportunities, student loan deductions, and more.
Can I afford this?
Moving cities? Bigger apartment? Circe runs the real numbers against your take-home and tells you what you can afford.
Chat with Circe
Ask anything. Circe knows your income, your city, your goals, your values. Every answer is specific to your actual life.
// Identity-aware guidance
Your identity shapes your financial reality.
Circe knows this.
Circe optionally collects gender identity, sexual orientation, race and ethnicity, neurodivergence, and disability status — not for data collection, but to give you guidance that reflects your real world. Never shared. Never sold.
Gender identity
Adjusts salary benchmarks and negotiation strategy.
Sexual orientation
Factors in LGBTQ+ wage gaps and estate planning needs.
Race & ethnicity
Calibrates income benchmarks to documented wage gaps.
Neurodivergence
Tailors money-management systems to how your brain works.
Disability status
Surfaces ABLE accounts, SSI/SSDI planning, relevant deductions.
Immigration status
ITIN banking, remittances, path-to-citizenship planning.
// Common questions
FAQ.
Is Circe a financial advisor?
No. Circe provides financial education and guidance only. Not a registered investment advisor, broker-dealer, or fiduciary. For major decisions, consult a licensed professional.
Is my data safe?
Your financial data is stored locally in your browser and is not sold to third parties. Identity information is used only to personalize your guidance — never for advertising or profiling.
Do I have to share my identity?
No. Every identity question is completely optional. Sharing more helps Circe give more accurate guidance, but it is never required.
How is Circe different from a budgeting app?
Budgeting apps track what you spend. Circe teaches you how to think about money, helps you negotiate, plan for retirement, pay off debt faster, and build long-term wealth — with guidance that accounts for your actual identity and life.
What is the Circe Index?
Our proprietary financial model with four pillars: intersectional wage adjustment, values-weighted allocation, life-stage planning, and a compounding wealth-gap visualizer. It calibrates your guidance to your real world — not a generic average.
Is Circe only for women?
Circe was built with women in mind — particularly to address the gender wealth gap. But anyone can use Circe and benefit from intersectionally-aware, personalized guidance.
Build the knowledge
no one taught you.