Your whole financial life, finally working together.
Financial software for individuals, families, and professionals. Work through connected decisions. Keep the work going.
Explore: Individuals & FamiliesProfessionals & Firms
Scroll to follow the road
Illustration: the paper layers of a landscape come together, and a clay road joins them into one path toward the horizon.
Every financial decision touches the rest.
Income, taxes, savings, protection and family goals often live in different places. The consequences don’t.
Illustration: the landscape separates into layers labelled investments and retirement, work and income, family and protection, cash and reserves, and taxes. The road breaks between them.
For individuals & families
The attention of a family office, for your whole financial life.
Bring a question or decision. Work through what it affects.
Illustration: a paper note asks, “Could one of us step back from work for a while?” Rings spread from it across the landscape, and each area it reaches shows the question it opens, among them: cash reserve, how long must it last; income and benefits, what changes during the break; retirement, what contributions change. Wider screens also show taxes, protection and family goals.
A question becomes real work: what it affects, your options, the assumptions that matter, and what to do next.
Illustration, an illustrative concept: a note in the picture reads “Compare the options”, and the road forks into two futures, with pins naming the assumptions: length of the break, return date and reserve used. The question becomes a saved card, “Stepping back from work”, with sections for what changes, options, assumptions and next steps. Its chart compares how long the cash reserve lasts under two options, stepping back fully or part-time, with the return date marked. It shows no figures.
Life changes. Your work doesn’t start over.
Return to a decision. Change an assumption. See what changes.
Work independently. Pick up where you left off.
Illustration, an illustrative concept: a season later, a return note, “Continue: Stepping back from work”, reopens the same card as an autumn version. One assumption changes: the return date moves later, and on the chart the cash reserve runs down for longer under both options. Only the areas the change affects are raised again, such as the cash reserve.
For professionals & firms
Give your expertise more leverage.
For financial planners, wealth practices, and those working alongside them.
Your clients. Your methods. Whether or not clients use Clay & Ramen.
Illustration: the landscape becomes a framed card and slides away, and a studio opens on the practice’s own client book, a tray of unnamed index cards on the desk, below a blank workpaper on a slate board.
Apply your method across the clients it fits, and see where your judgment is needed.
Instead of rebuilding each client’s picture across disconnected tools.
Illustration, an illustrative concept: the desk lamp turns onto the client book. A note in the picture reads “Run the retirement review”, and the firm’s method, a stencil named “Retirement review”, passes along the book. The cards it fits are marked, and cards rise where the professional’s judgment is needed, tagged, for example, assumptions out of date and approaching retirement. The professional draws one card out, and it is marked in clay.
Work through the details with the evidence in view. The judgment stays yours.
Compare scenarios, test assumptions, and review the work before sharing.
Illustration, an illustrative concept: the lamp turns to the wall, where the drawn card, pinned to the corner, becomes a retirement income workpaper: two scenarios over the years, with no figures. Evidence is clipped beside it, such as a benefits statement. A note asks, “Which assumptions need attention?”, a tracing sheet marks the points that depend on them, and the professional adds their own review mark.
Client-ready work that stays editable, and ready for the next review.
Illustration: the lamp turns down to the desk. The work goes into an editable folio titled “Retirement income plan”, with one divider lifted, and a next review card, “Continue the retirement review”, goes into the client book.
Each side stands on its own.
Individuals and families can work independently. Professionals can serve clients who don’t use Clay & Ramen. When you choose to collaborate, share selected work with permission.
Illustration: the studio becomes a framed card too, and the two cards rest apart, each on its own. Each lowers its own half of a bridge; a sheet of selected work crosses one way, and a sheet of reviewed work comes back.
For the decisions and responsibilities of a connected financial life.
Complexity, handled.
Illustration: the bridge folds away, and one landscape opens behind and beneath both framed cards, which stand in it apart: a small home by one, the studio’s arches by the other, and one clay road running between them to the horizon.
© 2026 Clay & Ramen
Back to the beginning