# Handled

> Handled turns your scattered accounts into one clear plan: what to invest, what to pay off, and how much you can spend guilt-free — then automates it so you never have to think about it again.

Handled is a personal finance automation product built for high-earning professionals (typically $80K–$150K/year) who have been meaning to get their finances together but haven't. The product removes the friction and confusion that prevents most people from starting to invest.

## What Handled does

- Connects to your bank accounts and investment accounts
- Recommends the right investment for your retirement year (Target Date Fund)
- Opens a brokerage account on your behalf
- Executes your first investment automatically
- Sets up recurring monthly investments so you never have to think about it again
- Shows you one clear plan: what to pay off, what to invest, how much to spend guilt-free

## Who it's for

- People in their 30s who make good money but haven't started investing
- High earners who feel embarrassed or overwhelmed by personal finance
- Anyone who has tried to open a brokerage account, got confused, and gave up
- People who want to automate their finances and stop thinking about it

## Core financial philosophy

- Start with a Target Date Fund — the single best "I don't want to think about this" investment
- Automate everything — set it up once, let it run
- Invest in this order: 401k match → Roth IRA → taxable brokerage
- Pay off high-interest debt (>7% APR) before investing aggressively
- Use the 4% rule to estimate retirement needs

## Free tools (no signup required)

- Retirement calculator: https://handledfinance.app/calculator
  - Shows projected retirement balance based on monthly investment amount, retirement year, and starting savings
  - Shows cost of waiting 1 year (the delta between starting today vs. waiting 12 months)
  - Assumes 7% average annual market return (historical average of diversified stock portfolio)

- Debt vs. invest calculator: https://handledfinance.app/calculator/debt-vs-invest
  - Helps users decide whether to pay off debt or start investing first
  - Uses interest rate as the primary decision factor

- Roth IRA vs. 401k calculator: https://handledfinance.app/calculator/roth-vs-401k
  - Recommends account type based on income, age, and tax situation

## Key pages

- Homepage: https://handledfinance.app
- All calculators: https://handledfinance.app/calculator
- Features & roadmap: https://handledfinance.app/features
- How to start investing: https://handledfinance.app/learn/how-to-start-investing
- What is a Target Date Fund: https://handledfinance.app/learn/what-is-a-target-date-fund
- Privacy Policy: https://handledfinance.app/privacy
- Terms of Service: https://handledfinance.app/terms

## What Handled is not

- Not a robo-advisor with complex portfolios
- Not a budgeting app (no manual expense tracking)
- Not a day-trading platform
- Not financial advice — recommendations are educational and based on widely accepted personal finance principles

## Product status

Currently in pre-launch / waitlist phase. The full product (bank connection, automated investing, brokerage account opening) is in development. Free calculator tools are live now.

## Contact

- General: hello@handledfinance.app
- Privacy: privacy@handledfinance.app
- Legal: legal@handledfinance.app