Ethos Ledger

Inspiration

Smart, hardworking people are leaving serious money on the table simply because life gets in the way. Missing the Mega Backdoor Roth alone costs $40,000 a year in tax-free space. Wealthy families pay family offices to solve this. Everyone else is on their own.

What it does

Ethos Ledger builds a Financial Digital Twin of you, ingesting your W-2s, brokerage statements, and life events to actively engineer your wealth. It runs 10,000-path Monte Carlo simulations to show exactly how you are positioned to retire across bull, bear, and average market scenarios. It does not just track your net worth; it maximizes it.

The compound growth of a tax-optimized strategy is:

$$A = P \left(1 + \frac{r}{n}\right)^{nt} + \sum_{i=1}^{t} C_i (1 + r)^{t-i}$$

Where $$C_i$$ represents tax-advantaged contributions like a Mega Backdoor Roth in year $i$. Ethos Ledger maximizes this for every user, every year.

How we built it

Tinyfish handles secure browser automation to pull financial documents directly from institutions, keeping the Digital Twin always current. Redis acts as the agent's working memory, holding the full financial timeline and managing simulation state in real time. Chainguard distroless images lock down the entire environment so raw balances stay sealed and data never leaves the vault.

Challenges we ran into

The American tax code is brutal to model. A single Roth conversion ripples into Medicare IRMAA brackets, Social Security taxation, and state-level deductions, and getting those cascading effects right required translating dense regulatory text into deterministic logic. Tuning Redis to handle 10,000-path simulations without slowing the user experience was also a significant engineering challenge.

Accomplishments that we're proud of

We moved past passive net-worth tracking and built something that actively engineers financial outcomes. Watching the system ingest a W-2, update the Digital Twin, and instantly recalculate an optimal tax-efficiency glide path inside a Chainguard-secured environment was the milestone that validated everything.

What we learned

The biggest barrier to good financial planning is not motivation; it is context. Once you have the full picture of someone's tax lot, state, and dependents, the right decision stops being a guess and becomes a math problem. Building on Chainguard also taught us to treat security as a foundation, not an afterthought.

What's next for Ethos Ledger

We plan to go deeper on complex scenarios like QSBS stacking, Medicaid Asset Protection Trusts, and cross-chain crypto tax-loss harvesting. Ultimately, we want the Co-Pilot to close the loop entirely and securely execute trades and transfers on the user's behalf.

Built With

• chainguard
• next.js
• redis
• tinyfish