MPersonalized wealth management

Mira

Holistic management of all your financial needs.

Mira manages a person’s entire financial life holistically — for any age, income or faith background, at any stage of life. Most apps handle one decision at a time. Mira builds one evolving plan across every goal at once, so you always see how today’s decision changes your retirement date, your tax bill and what you can still afford tomorrow.

Talk to us See capabilities

5core modules

100+assertion deterministic test suite

Age 90wealth projection horizon

Overview

At a glance

Underwriting

Every planned purchase — a mortgage, a car, a credit card — evaluated together, not one at a time.

Wealth & retirement

A full financial trajectory to age 90, showing whether today’s choices keep retirement on track.

Tax strategy

Real, current-year tax savings found automatically and folded straight into the plan.

Plan orchestration

When cash frees up, decides where it does the most good — recomputed live as numbers change.

Lead generation (MiraLG.ai)

When a plan shows you’re ready for a real product, Mira can refer you to a vetted, consented partner lender.

Capabilities

What makes it different

Eight capabilities that compound — four engines that make underwriting and planning deterministic, and four inside MiraLG.ai that turn every signal into a matched, consented offer.

Mira — the planning engines

Every financial calculation is a pure function: testable, reproducible, never a model call.

Joint Underwriting Engine

Mira simulates a person’s entire financial life month by month — income, debts and every planned product — as one deterministic pipeline, not isolated calculators. Each approved product’s payment cascades into every later product’s DTI, exactly as a real underwriter sequences them, evaluated against every applicable program (FHA, VA, USDA, Jumbo, subprime auto) under real 2026 rules.

Why it matters

Shows exactly which products you qualify for and when — not just today’s snapshot
Models the cross-product DTI cascade in real time
Defensible via a 100+ assertion deterministic test suite, not a black-box model

Wealth & Retirement Advisor Engine

A full net-worth simulation projecting every year to age 90, integrating planned purchases against retirement readiness. It models Social Security using real 2026 bend-point math, tests 4%-rule readiness with a bridge-years calculation for early retirees, and gives specific advice — exact 401(k)/IRA/HSA room, marginal-bracket tax savings — instead of generic guidance.

Why it matters

Turns “can I afford this house” into a full-life financial trajectory
Every recommendation carries the exact dollar figure and citation behind it
The wealth trajectory updates live as products move through underwriting

Tax-Strategy Studio

A tax-strategy engine built on real, current-year IRS mechanics — 2026 brackets and standard deduction, plus a catalog covering 401(k)/HSA/backdoor Roth, oil & gas working interest, historic rehab credits and the Child Tax Credit. Every strategy computes an exact dollar figure and feeds directly into the wealth engine, so optimization visibly accelerates retirement.

Why it matters

Real 2026 IRS figures, refreshed annually through a documented pipeline
Tax savings compound directly into the wealth projection
Separates real savings from capital-funded ones so free money is never double-counted

Halal & Kosher Investing + Zakat Engine

Real faith-compliant programs — Shariah home co-ownership (musharaka), auto murabaha, Qard Hasan loans and kosher heter-iska mortgages — ranked ahead of conventional products even when cheaper elsewhere. A Zakat calculator handles contested fiqh questions by letting the user pick their ruling, wired into cash flow and taxes.

Why it matters

Roughly 4.5M Muslim and 7.5M Jewish Americans have no faith-compliant option in mainstream planning apps
Every ruling is sourced and user-chosen — never a silent default on a contested question
Zakat is wired into cash flow, taxes and retirement projections, not a side calculator

MiraLG.ai — consented lead generation

Event-driven and multi-tenant: every signal is scored and priced in the request path, isolated per client from day one.

Trigger-Based Partner Referrals

MiraLG.ai — Mira’s embedded lead-generation engine — continuously evaluates every user’s underwriting signals against live trigger criteria: for example, eligible for a program and within six months of the target date. Once every condition is met, Mira shows a link to refer the case to a vetted partner lender — consent required first.

Why it matters

Referral links only ever appear for a real, qualified match — never an untargeted ad
Trigger criteria (program, timing and more) are fully configurable per campaign
Consent is required before any case is referred — the user controls what’s shared

AI Campaign Studio

Lenders and partners build targeting campaigns in plain language — MiraLG.ai’s AI layer translates the request into structured criteria and writes a human-readable rationale for every match, so a campaign manager can see why a segment was selected, not just that it was. Lookalike discovery finds adjacent, high-intent segments from a seed campaign’s performance.

Why it matters

Cuts campaign setup from a targeting-spec meeting to a natural-language prompt
Every match ships with a plain-English reason, not an opaque score
Lookalike discovery expands reach without manual segment-building

Matching, Scoring & Lookalike Discovery

The pipeline that turns a raw signal into a ranked, qualified lead: extract the relevant details, score them against every live campaign’s targeting criteria, and return a ranked match — computed the moment the signal arrives, not in a nightly batch. The same pipeline powers lookalike discovery, surfacing audiences a campaign owner never manually defined.

Why it matters

Real-time scoring, not overnight batch matching
One pipeline powers both direct matching and lookalike discovery
Multi-tenant by design, with audit logging and row-level isolation from day one

Real-Time Pricing Engine & Billing

Every matched placement is priced live against a campaign’s bid and budget rules, tracked as a billable click or lead the moment it’s served, and rolled into automated invoicing — no manual reconciliation. The same engine powers a live refi rate-gap and break-even tool, showing users the actual dollar case for an offer instead of a generic ad.

Why it matters

Pricing and billing compute in the same request path as the match
Break-even and rate-gap economics make every embedded offer a real financial case
The full loop is proven live, from an incoming signal to an invoiced dollar

Who it’s for

People actively looking for ways to stretch every dollar and validate financial decisions before committing.

Young professionalsAges 25–38, first mortgage or auto purchase within 24 months.

Growing familiesAges 30–48, juggling mortgage, auto and student debt at once.

Observant householdsMuslim and Jewish Americans across all incomes, unserved by mainstream planning apps.

Pre-retirees & high-net-worthAges 50–65, optimizing tax strategy against a real retirement deadline.

Architecture

Under the hood

How Mira is built

Deterministic and API-first — every financial calculation is a pure function, testable and reproducible, never a model call.

01PresentationInstallable web app plus a native iOS shell

Web / PWA ClientInstallable and offline-capable

Native iOS ShellHaptics and status-bar, one shared codebase

Push & NotificationsWeb Push and APNs, rule-driven nudges

02OrchestrationAuth, sessions, scheduling

Auth & Session APIargon2id, WebAuthn (Face ID), Google OAuth

Notification SchedulerBounded-concurrency cron with a rule registry

Request OrchestrationValidated writes end to end

03Decision & IntelligenceFive deterministic engines, zero model calls

Joint UnderwritingCross-product DTI cascade, real 2026 rules

Wealth & RetirementNet-worth simulation to 90, Social Security

Tax StrategyReal IRS mechanics, exact savings

Faith & ZakatHalal/kosher programs, sourced rulings

Plan OrchestrationCross-engine goal funding, live recompute

04Data & AuditDurable, no client-side state

PostgresDB-backed sessions and rate limits

Structured LoggingError-boundary alerting on every route

05IntegrationConsent-based by design

MiraLG.aiConsent-based signal forwarding, real-time scored offers

Google OAuthReal SSO

Push ServicesWeb Push and APNs

How MiraLG.ai is built

Event-driven and multi-tenant — every signal is scored and priced in the request path, isolated per client from day one.

01PresentationOperator tools, embedded in Mira’s trusted UI

Campaign StudioPlain-language targeting with AI rationale

Embedded PlacementsOffers rendered inside Mira — never a redirect

GTM / Admin ConsoleClient onboarding, team and workflow management

02OrchestrationMulti-tenant RBAC and SSO

Multi-Tenant AuthRBAC and SSO for client organizations

Workflow & Queue ManagerCampaign approvals and lead routing

Tenancy IsolationRow-level isolation, audit logging on every access

03Decision & IntelligenceIngest to price, one closed loop

Feature DerivationStructures every incoming signal

Matching & ScoringLive campaign targeting, in real time

AI LayerNatural-language campaigns, match reasoning, lookalikes

Pricing & BillingBid/budget rules and automated invoicing

04Data & AuditShared Postgres, isolated per tenant

Tenant-Isolated PostgresRow-level isolation harness

Audit Log & Billing LedgerEvery access tracked; billable clicks reconciled

05IntegrationConfigurable per client

Mira Signal ForwarderConsent-based; faith and zakat data excluded by design

LLM ProvidersConfigurable per client — Anthropic, OpenAI, Gemini and more

Billing & InvoicingAutomated reconciliation, no manual settlement

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