Calibrate
Calibrate provides a platform that helps financial institutions understand how their customers make financial decisions, not just what they own or earn. The system maps the financial dynamics between individuals and their households, revealing needs and opportunities that traditional CRM data misses. It includes a GrowthProfile assessment that generates personalized financial wellness and emotional readiness scores.
- Financial Technology
- Data & Analytics
- Software Only
Funding
Founders
Founder details are not available yet.
Product
Problem
No one built a tool for the real complexity of people's financial lives. Buying a home together, combining finances, or deciding whether an aging parent moves in are not math problems—they are emotional decisions made inside relationships, and existing financial tools were not built to see them. Money is the leading source of stress in American adults' lives and a top reason for conflict in relationships.
Solution
Calibrate reads how people are wired, and how the people in their financial lives are wired, so they always know what to do next, when to do it themselves, and when to bring in help. The platform maps the financial dynamic between two people, not just the individuals, and works at the behavior and input level rather than the money outcome level. Calibrate provides tailored guidance for aging parent conversations, major life decisions, and knowing when professional help is necessary, routing the right move at the right moment and giving users the language to start difficult conversations. For financial institutions, Calibrate reveals customer needs and opportunities that existing systems might never surface, helping teams understand the person behind the financial information.
Target Audience
Primary customers are financial institutions, including advisors at large AUM firms, who need to understand and serve customers with increasingly complex financial lives, as well as individuals and couples facing major relational financial decisions.
Features
- GrowthProfile assessment that generates personalized financial wellness and emotional readiness scores, with recommended approaches such as "DIY" or "Do it together"
- Household mapping that analyzes the financial dynamic between two people with different money histories sharing one financial life
- Strategic guidance for aging-parent conversations and major life decisions including new homes, children, job changes, and equity events
- Decision-routing engine that tells users when they can proceed independently versus when to bring in a human expert
- Proprietary insights for financial advisors and institutions to understand how customers make decisions and whether they welcome help
- Personalized nudges and ongoing guidance delivered through an in-app experience, with the full app currently in waitlist status