Nauma
Personal Financial Planning Software for Complex Lives: Manage Your Finances Stress Free.
A startup from Salta Clara, the United States that is founded by Alex Sukhanov, Simenq Qu.
Personal Financial Planning Software for Complex Lives: Manage Your Finances Stress Free.
A startup from Salta Clara, the United States that is founded by Alex Sukhanov, Simenq Qu.
This page is designed to help you find out whether Nauma is good and if it is the right choice for you.
Nauma is a financial planning platform built for people with complex financial lives, helping them navigate equity compensation, concentrated stock positions, high taxes, and complex portfolios spread across multiple accounts.
Unlike traditional advisors who charge high fees based on Assets Under Management (AUM), Nauma delivers fiduciary-quality guidance through technology, at a fraction of the cost. The name itself, "Nauma" ("No AUM"), reflects the company's mission to eliminate biased, asset-preserving models and empower people to plan on their own terms.
With Nauma, users can model major life decisions, such as taking a sabbatical, buying a home, or retiring early, understand the tax implications of RSUs and capital gains, and see their entire financial picture in one place. Alongside advanced planning tools, Nauma offers live Q&A sessions and a supportive community of peers facing similar challenges.
Nauma provides both a DIY path for self-directed planners and a Guided path for those who want extra support. The result: clarity, confidence, and control, without spreadsheets, gatekeepers, or oversized fees.
Disclaimer: Nauma is a technology platform, not a registered broker-dealer or registered investment adviser, and does not provide investment advice. Investing involves risk and investments may lose value. Past performance does not guarantee future results.
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Goal-Based Financial Planning
Split financial goals into separate pipelines, each with its own accounts, timeline, and account-to-goal mapping, all reflected in one whole-life projection with customizable withdrawal strategy.
Monte Carlo Simulation
Run 10,000 simulations (Normal or Fat-Tailed distribution) across 5 preset portfolios to see the probability of success for retirement and other goals, with multi-percentile charts.
Tax Planning & Optimization
Model the tax impact of income, capital gains, and RSU vesting, with state, filing status, and NYC locality tax configuration built into every projection.
Exchange Fund Calculator
Model diversifying a concentrated stock position through an exchange fund versus selling and reinvesting, with tiered fee structure, break-even analysis, and after-tax value comparison.
Automated Account Aggregation
Link brokerage, bank, and investment accounts via Plaid (Fidelity, Schwab, Interactive Brokers, Coinbase, and more), with combined or per-account holdings and transaction views.
Book a Plan Review
Schedule a 60-minute session with the Nauma team to review assets, projections, tax optimization, and equity compensation, included for paid users.
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Nauma builds financial goal-setting into the projection itself. Instead of one blended forecast, you split your goals into separate pipelines, each with its own accounts, its own start date, and its own finish date. Every pipeline still feeds into a single whole-life projection. That means you can actually see the optimal moment to do things like a Roth conversion, or buy vs. sell a house, instead of guessing. It's not just "run a projection." It's "plan each goal on its own timeline and see how they interact."
Most planning tools give you one big projection and call it done. Nauma lets you break your financial life into individual goals like retirement, a home purchase, or funding a sabbatical, each with its own dedicated accounts and its own timeline, then rolls all of it into one lifetime projection. That's what makes timing decisions visible: you can pinpoint the right window for a Roth conversion, or see exactly how selling a house in year 5 vs. year 8 ripples through everything else. Add automated account syncing and an included 1-hour plan review, and you get precision most DIY tools can't match.
People whose finances aren't simple: trusts, real estate, stock options and other equity compensation, multiple accounts across different institutions, and tax situations that don't fit a basic calculator. It's less about one job title and more about one pattern. Money that's complicated enough that a generic budgeting app stops being useful.
Nauma was founded by engineers who watched the traditional advisor model take 1% of assets a year (about $50,000 annually on a $5M portfolio) while the advice itself barely changed. Worse, that model rewards advisors for keeping money locked up instead of helping clients actually use it: buy a home, start a business, take a sabbatical. Nauma flips that. The name itself is short for "No AUM," reflecting the goal of building the planning tool the founders wished existed: automated, transparent, and backed by real support instead of a percentage fee.
We have collected here some useful links to help you find out if Nauma is good.
Check the traffic stats of Nauma on SimilarWeb. The key metrics to look for are: monthly visits, average visit duration, pages per visit, and traffic by country. Moreoever, check the traffic sources. For example "Direct" traffic is a good sign.
Check the "Domain Rating" of Nauma on Ahrefs. The domain rating is a measure of the strength of a website's backlink profile on a scale from 0 to 100. It shows the strength of Nauma's backlink profile compared to the other websites. In most cases a domain rating of 60+ is considered good and 70+ is considered very good.
Check the "Domain Authority" of Nauma on MOZ. A website's domain authority (DA) is a search engine ranking score that predicts how well a website will rank on search engine result pages (SERPs). It is based on a 100-point logarithmic scale, with higher scores corresponding to a greater likelihood of ranking. This is another useful metric to check if a website is good.
The latest comments about Nauma on Reddit. This can help you find out how popualr the product is and what people think about it.
Hi HN, I’m Alex. I previously worked as an engineer at Google, and I’m building Nauma (https://nauma.ai). The idea came from trying to plan my own finances and watching friends in tech do the same. Once you have equity compensation, uneven income, high taxes, and early-retirement decisions, spreadsheets become fragile and hard to use very quickly. It's hard to reason about taxes, timing, and uncertainty at the... - Source: Hacker News / 8 months ago
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Is Nauma good? This is an informative page that will help you find out. Moreover, you can review and discuss Nauma here. The primary details have been verified within the last quarter. So they could be considered up to date. If you think we are missing something, please use the means on this page to comment or suggest changes. All reviews and comments are highly encouranged and appreciated as they help everyone in the community to make an informed choice. Please always be kind and objective when evaluating a product and sharing your opinion.
