THRIVE
After-Tax Financial Intelligence for Real-World Wealth
🧠 Short Description
Thrive is a personal financial intelligence app that reveals your true, after-tax, real-world net wealth—helping users understand what they actually have, not what dashboards pretend they own.
📖 Long Description (Hackathon-Ready)
Most financial apps lie by omission. They show balances, charts, and “returns” without accounting for taxes, liquidity, or real-world friction. As a result, users believe they are wealthier—and safer—than they truly are.
Thrive solves this by reframing personal finance around after-tax, liquid reality. Instead of focusing on trading signals or speculative gains, Thrive calculates what a user would actually walk away with if they liquidated today—after federal taxes, estimated state taxes, and holding duration are applied.
The platform is designed as a Personal Financial Intelligence System, not a trading app. It prioritizes clarity over dopamine, conviction over hype, and long-term financial independence over short-term gambling. Thrive is built for individuals who want truth, not theatrics.
Target users include retail investors, crypto participants, and financially curious individuals who want to understand their real financial position and make better long-term decisions based on reality rather than illusion.
🧩 Core Features (Current & Planned)
True Wealth Engine – Calculates after-tax, liquid net worth in real time
Tax Awareness Logic – Differentiates short-term vs long-term gains
Confidence Scoring – Shows certainty level of each calculation
Read-Only Security Model – No trading permissions, privacy-first design
Planned extensions include tax-loss harvesting alerts, pattern comparison tools, and personalized financial summaries.
🏷️ Technology & Category Tags
Tags: FinTech, AI, Personal Finance, Wealth Management, Python, FastAPI, Supabase, Next.js, Data Intelligence
🖼️ Cover Image
To be added Recommended format: PNG or JPG Aspect ratio: 16:9
(The final cover image will visually emphasize “after-tax reality” vs traditional portfolio dashboards.)
🎥 Video Presentation (Planned)
Format: MP4
Length: ≤ 5 minutes
Content plan:
Problem overview (financial dashboards lie)
Thrive’s solution and philosophy
Walkthrough of the True Wealth Engine
Future roadmap and impact
📊 Slide Presentation (Planned)
A concise PDF slide deck covering:
Problem
Solution
How Thrive works
Market opportunity
Competitive differentiation
Roadmap
🌐 Application Hosting
Demo Platform: Vercel (planned)
Application URL: To be added as development progresses
💻 Code Repository
Repository: This GitHub repository (public for hackathon judging)
Structure is intentionally minimal at the start. Folders are created only when implementation requires them to avoid premature scaffolding and architectural drift.
📈 Market Scope
TAM: Global retail investing & personal finance software market (hundreds of billions USD)
SAM: Retail investors and crypto users seeking tax-aware, reality-based financial tools
💰 Revenue Potential
Subscription model (monthly / annual)
Premium intelligence features
Advanced reporting and alerts
Future B2B or advisor-facing tooling
🆚 Competitive Landscape
Existing solutions: Robinhood, CoinTracker, Mint, Personal Capital
Thrive’s advantage:
Focuses on after-tax reality, not paper gains
Avoids trading incentives and gambling psychology
Privacy-first, read-only design
Emphasizes financial independence over speculation
🚀 Future Prospects
Thrive is designed to scale into a full financial intelligence layer that helps users understand risk, opportunity, and time-to-freedom—without selling trades, signals, or false confidence.