Is SAWD built for couples and families?

Yes. SAWD is purpose-built for the household unit - married couples filing jointly or separately, multi-member families, parents planning for children, and multi-generational wealth. The platform models married filing jointly vs. separately simultaneously and recommends whichever saves more.

What happens to my financial ledger when I pass away?

Your designated beneficiaries and heirs inherit access to your SAWD ledger - every document, every tax filing, every asset record - organized, verified, and legally accessible. The Legacy Vault triggers automatically upon verified conditions you configure.

Is my family's financial data secure in SAWD?

Yes. SAWD uses AES-256-GCM encryption, TLS 1.3, and a post-quantum hybrid cryptographic stack (ML-KEM-768 + ML-DSA-87 per NIST FIPS 203/204). Every action is logged in a tamper-evident SHA-256 hash chain. Your data is never sold or used for advertising.

How is SAWD different from TurboTax, Monarch, or Copilot?

TurboTax is DIY tax software with no CPA. Monarch and Copilot are spending and budgeting dashboards with no tax filing or CPA layer. SAWD is different: AI prepares your return, a credentialed CPA signs every filing, and your entire household's finances live in one permanent immutable ledger built for families and their heirs.

What states does SAWD support for tax filing?

Private beta (May 2026) supports federal returns plus Virginia, Maryland, and DC. National rollout covering all 50 states is planned for Q3-Q4 2026, beginning with Florida, Texas, California, New York, and North Carolina.

What is a family wealth ledger?

A family wealth ledger is a single, immutable record of every financial event in a household - across every member, every account, and every generation. It includes bank reconciliations, investment transactions, tax filings, CPA sign-offs, and beneficiary designations, with each entry timestamped and anchored to a cryptographic proof. SAWD is the first commercial implementation of this category.

How is SAWD different from a family office?

A traditional family office requires $25M+ in assets and costs $1M+/year in staff. SAWD delivers the core function of a family office - unified household ledger, CPA-supervised tax preparation, beneficiary management, and estate handover readiness - for $15/month per household, plus filing fees.

What is Aura Finance?

Your AI-powered financial copilot for seamless wealth management, tax preparation, and accounting. Aura Finance integrates with your accounts to provide personalized insights, manage investments, and simplify your taxes.

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SAWD — The Family Wealth Ledger

AI prepares your family's taxes. Your CPA reviews and signs every return. Every household action is recorded in an immutable, cryptographically-anchored ledger — across every member, every account, and every generation.

What SAWD does

AI-powered federal and state tax preparation for households and families
CPA review, finalization, and e-signature on every return (Form 8879, PTIN-verified)
Joint-filing optimizer — models married filing jointly vs. separately simultaneously
Household dashboard aggregating every account across every family member
Multi-generational wealth ledger with estate planning and beneficiary designation
Immutable double-entry ledger anchored with a SHA-256 hash chain; AES-256-GCM encrypted document vault

Frequently asked questions

What is SAWD?

SAWD (Software as a Wealth Device) is the Family Wealth Ledger — financial software for households, couples, and multi-generational families. AI prepares your federal and state taxes, a verified CPA reviews and signs every return, and your complete financial history lives in an immutable cryptographic ledger.

Does SAWD replace my CPA?

No. AI handles document collection, categorization, and draft preparation; your CPA still reviews, finalizes, and signs every return with their PTIN on Form 8879. AI prepares — a human signs.

How much does SAWD cost?

Starter at $15/month or Pro at $30/month, plus a CPA-signed filing fee of $99–$300 per return depending on complexity. A 14-day free trial is included.

Is my family's financial data secure?

SAWD uses AES-256-GCM encryption, TLS 1.3, and a post-quantum hybrid stack (ML-KEM-768 + ML-DSA-87). Every action is logged in a tamper-evident SHA-256 hash chain.

How is SAWD different from TurboTax, Monarch, or Empower?

TurboTax is DIY with no CPA. Monarch and Empower are budgeting/net-worth dashboards with no tax filing or CPA layer. SAWD combines AI tax preparation, a credentialed CPA signature on every filing, and one permanent immutable household ledger built for families.

What states does SAWD support?

Private beta supports federal returns plus Virginia, Maryland, and DC. National rollout across all 50 states is planned for Q3–Q4 2026.

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Savings Challenge Agent | Sawd Finance

Savings Challenge Agent on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.