PERSONAL FINANCE FOR CLINICIANS
Give Bottosan a goal and it gets it done — from tracking PSLF and student loans to comparing travel contracts and cutting your taxes. Built for doctors and nurses, answered with your own numbers.
No credit card required · Read-only account connections via Plaid · AI advice, human CPA sign-off
ASK BOTTOSAN — ANSWERED FROM YOUR ACCOUNTS
“Can I still do a backdoor Roth this year?”
Yes — but your old rollover IRA makes 93% of the conversion taxable. Roll it into your 403(b) first and the taxable share drops to 0%. Your CPA can sign off the move before December 31.
Net worth
$679,044
Chase Checking ··4821
$18,240
Fidelity 403(b) ··3302
$212,604
Student loan
$152,000 · PSLF 71/120
Demo persona: Dr. Maya Patel, EM attending. Switch personas inside the app — resident, ICU RN, travel RN and NP included.
Connect your accounts and Bottosan does the heavy lifting. Track, budget, collaborate and plan — around shifts, call and contract work.
Net worth, every account, every loan — bank, 403(b)/401(k), 457(b), HSA, brokerage and mortgage in one home base.
Open in the app →Spending by category, forgotten subscriptions, night-shift and overtime income — see what changed and where to save.
Open in the app →PSLF forgiveness, loan payoff, retirement at 60, a first home. Put a number and a date on it, get the next step.
Open in the app →Add your partner for the full household picture and plan the big decisions as a team.
Open in the app →Software plus a human CPA for sign-offs. No human financial advisors — the AI plans, the CPA signs.
Every recurring charge across connected accounts. Two unused in the demo save $348/yr — clinical references like UpToDate are flagged as keepers, not clutter.
Ask about dining after night shifts, childcare, or call-pay months. Bottosan answers from your transactions, not averages.
What if you cut to 0.8 FTE, take a travel contract, or retire three years earlier? See savings, spending and tax impact side by side.
403(b), 457(b), HSA and brokerage together. Fees, idle cash and single-stock exposure, explained in plain English.
Track your home and mortgage alongside everything else. Compare keeping, selling, or renting if you move for residency, fellowship or a contract.
The service gap, filled: every 1099 payer mapped, sole-prop vs S-corp modeled with defensible reasonable comp by specialty, quarterly estimates, Solo 401(k) room, and a 2553/1120-S calendar — CPA-signed at every gate.
IDR plans, PSLF payment counts and forgiveness projections for nonprofit hospital work — the calculator does the math, the AI explains it.
Compare offers after tax: taxable hourly vs tax-free stipends, duplicated housing, and your tax home, so a bigger headline rate doesn't fool you.
HUMAN CPA — SIGN-OFF QUEUE (NO HUMAN FINANCIAL ADVISORS)
The AI drafts. You approve. A CPA signs. That is the whole human layer.
Start free for 7 days. Higher plans add deeper tax strategy and more AI.
$20 / mo
Every account, budget and plan in one place
$100 / mo
Deeper tax strategy and more AI
$200 / mo
Maximum planning power
$3,000 /yr
Human CPA, no human financial advisor
Personal only. Bottosan covers your household finances — pay, moonlighting, loans, retirement accounts, home and taxes. It does not do practice accounting, billing, payroll or hospital finance.
Software that answers personal-finance questions with a language model grounded in your connected accounts. Bottosan totals net worth, sorts tax lots, estimates tax on a sale and projects your Tracks. It cannot move money, place trades or file a return on its own, and Bottosan is not a registered investment adviser.
Not on its own. Bottosan estimates tax and assembles your return from W-2s, 1099s and uploaded documents. On the CPA add-on, a human CPA reviews, signs and files your federal and state return — nothing is filed until you approve it. There are no human financial advisors at Bottosan; planning is AI-led, sign-off is CPA-led.
Connections via Plaid are read-only: balances, holdings and transactions, never permission to move money or trade. Your money stays at your institutions and your data is not used to train AI models.
A general chatbot answers for an average person. Bottosan reads your balances, loan servicer data and pay patterns, and runs loan, tax and contract math through dedicated calculators before it answers — then routes filings and elections to a human CPA for sign-off.
Basic $20/mo, Pro $100/mo, Ultra $200/mo, each with a 7-day free trial and no credit card. The CPA Sign-off add-on is $3,000/yr and includes Ultra. This prototype shows demo data; connect Plaid Sandbox and your own AI key to use your numbers.
Bottosan is a prototype for evaluation. It is not a bank, broker-dealer or registered investment adviser, does not move money or place trades, and does not file taxes without your approval and a CPA signature. Demo data is fictional. Tax and loan figures are estimates from the calculators in this repo — confirm consequential decisions with your CPA.