SAWD (Software as a Wealth Device) is the Family Wealth Ledger - financial software for US households, couples, and multi-generational families. AI assists with federal and state tax preparation; credentialed CPAs can review filings; and your household financial history lives in a tamper-evident ledger designed to transfer to heirs.

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 can model married filing jointly vs. separately and compare outcomes.

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 TLS 1.3 in transit, Google Cloud encryption for database storage, AES-256-GCM for sealed bank tokens and the document vault, TOTP multi-factor authentication, and a tamper-evident SHA-256 hash chain for ledger events. Post-quantum hybrid cryptography is on the roadmap. Your data is never sold or used for advertising.

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, append-only household financial record spanning members, accounts, and generations. It can include bank reconciliations, investment transactions, tax filings, CPA review events, and beneficiary designations, with each entry timestamped in a tamper-evident hash chain. SAWD is building this category for US households.

How is SAWD different from a family office?

A traditional family office often requires $25M+ in assets and substantial staff cost. SAWD aims to deliver core household functions - unified ledger, AI-assisted tax prep, optional CPA review, beneficiary management, and estate handover readiness - starting at $48/month for the SAWD Household tier, with Household + Business at $120/month and SAWD Family Office at $360/month.

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-assisted US household taxes. Optional CPA review. One secure family ledger — across members, accounts, and generations.

What SAWD does

AI-assisted federal and state tax preparation for US households
Optional CPA review and Form 8879 e-signature workflow (PTIN-verified partners)
Joint-filing optimizer — models married filing jointly vs. separately
Household dashboard aggregating accounts across family members
Multi-generational wealth ledger with estate planning and beneficiary designation
Tamper-evident double-entry ledger 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 US households, couples, and multi-generational families. AI assists with tax prep; credentialed CPAs can review filings; and your household financial history lives in a tamper-evident ledger.

Does SAWD replace my CPA?

No. AI assists with document collection, categorization, and draft preparation; a CPA can still review, finalize, and sign returns with their PTIN on Form 8879 when that workflow is enabled.

How much does SAWD cost?

A flat subscription across three tiers: SAWD Household is $48/month ($480/year), Household + Business is $120/month ($1,200/year), and SAWD Family Office is $360/month ($3,600/year). Annual billing saves 20%. CPA review workflows are included. A 14-day free trial is included.

Is my family's financial data secure?

SAWD uses TLS 1.3 in transit, cloud disk encryption for the database, AES-256-GCM for sealed bank tokens and the document vault, TOTP MFA, and a tamper-evident SHA-256 hash chain. Post-quantum cryptography is planned.

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

TurboTax is DIY with no CPA collaboration layer. Monarch and Empower are budgeting/net-worth dashboards with no tax filing or CPA review workflow. SAWD combines AI-assisted tax prep, optional CPA review, and one household ledger built for families.

What states does SAWD support?

Private beta supports federal returns plus Virginia, Maryland, and DC. Broader US rollout is planned for Q3–Q4 2026.

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Feature Showcase | Sawd Finance

Feature Showcase on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.

Pages

Landing Page
Dashboard — Dashboard on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Tax Dashboard — Tax Dashboard on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Document Vault — Document Vault on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Portfolio — Portfolio on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Settings — Settings on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Copilot — Copilot on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
OBBBA Deduction Scanner — OBBBA Deduction Scanner on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Tax Refund Estimator — Tax Refund Estimator on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Tax What If Simulator — Tax What If Simulator on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Tax Filing Checklist — Tax Filing Checklist on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Tax Calendar — Tax Calendar on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Tax Planning — Tax Planning on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Tax Projector — Tax Projector on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Tax Loss Harvesting — Tax Loss Harvesting on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Tax Sentinel — Tax Sentinel on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Real Time Tax Projection — Real Time Tax Projection on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Estate Planning — Estate Planning on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Legacy Vault — Legacy Vault on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Retirement Planner — Retirement Planner on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Monte Carlo Simulator — Monte Carlo Simulator on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Insurance Manager — Insurance Manager on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Family Dashboard — Family Dashboard on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Receipt Scanning — Receipt Scanning on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
OCR Pipeline — OCR Pipeline on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Document Annotation Workspace — Document Annotation Workspace on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
IRS Transcript Integration — IRS Transcript Integration on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
RMD Calculator — RMD Calculator on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
CPA Dashboard — CPA Dashboard on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
CPA Client Portal — CPA Client Portal on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
CPA Return Review Queue — CPA Return Review Queue on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
CPA Collaboration Hub — CPA Collaboration Hub on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
CPA Secure Portal — CPA Secure Portal on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
CPA Partner Landing — CPA Partner Landing on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Agent Hub — Agent Hub on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Tax Sentinel Agent — Tax Sentinel Agent on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Vault Keeper Agent — Vault Keeper Agent on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Estate Architect Agent — Estate Architect Agent on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Alpha Scout Agent — Alpha Scout Agent on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Document Parser — Document Parser on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Early Access — Early Access on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Privacy Policy — Privacy Policy on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Terms Of Service — Terms Of Service on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Cookie Policy — Cookie Policy on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Trust Center — Trust Center on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Changelog — Changelog on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
SAWD Roadmap — SAWD Roadmap on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
App Store Assets — App Store Assets on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Subscription Plans — Subscription Plans on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Security Page — Security Page on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
For CP As Page — For CP As Page on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Public SEO Page — Public SEO Page on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Demo Entry — Demo Entry on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Beneficiary Contact Update — Beneficiary Contact Update on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Public Quarterly Tax Calculator — Public Quarterly Tax Calculator on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
CPA Referral Landing — CPA Referral Landing on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Public Estate Checklist — Public Estate Checklist on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Estate Readiness Widget — Estate Readiness Widget on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Tax Scenario Simulator — Tax Scenario Simulator on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Tax Compliance Dashboard — Tax Compliance Dashboard on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Deduction Wizard — Deduction Wizard on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Tax Report Exporter — Tax Report Exporter on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Tax Trend Analysis — Tax Trend Analysis on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Tax Document Vault — Tax Document Vault on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Missed Deductions Analyzer — Missed Deductions Analyzer on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Multi Jurisdictional Reporting — Multi Jurisdictional Reporting on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Real Time Tax Projection Engine — Real Time Tax Projection Engine on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Medical Expenses — Medical Expenses on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Subscription Manager — Subscription Manager on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Command Deck — Command Deck on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Onboarding — Onboarding on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
CPA Workbench — CPA Workbench on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Property Tax Management — Property Tax Management on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
CPA Portal — CPA Portal on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
CPA Dedicated Portal — CPA Dedicated Portal on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Client Onboarding Dashboard — Client Onboarding Dashboard on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Tax Liability Projector — Tax Liability Projector on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
CICD Dashboard — CICD Dashboard on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Financial Automations Hub — Financial Automations Hub on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Investment Trends View — Investment Trends View on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Integrations Hub — Integrations Hub on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Financial Management Dashboard — Financial Management Dashboard on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Enhanced Profile Settings — Enhanced Profile Settings on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Financial Summary Hub — Financial Summary Hub on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Tax Deadline Alerts Page — Tax Deadline Alerts Page on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Net Worth Dashboard — Net Worth Dashboard on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Subscription Tracker — Subscription Tracker on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Tax Document Vault Page — Tax Document Vault Page on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Estate Document Vault — Estate Document Vault on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Estate Audit Log — Estate Audit Log on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Financial Command Center — Financial Command Center on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Investment Dashboard — Investment Dashboard on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Expense Automation — Expense Automation on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Tax Calendar V2 — Tax Calendar V2 on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Family Wealth Hub — Family Wealth Hub on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Tax Software Hub — Tax Software Hub on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
IRS Records Hub — IRS Records Hub on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Tax Docket Center — Tax Docket Center on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Non Profit Hub — Non Profit Hub on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Public Audit Risk Card — Public Audit Risk Card on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Tax Sentinel Dashboard — Tax Sentinel Dashboard on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Dead Man Switch Management — Dead Man Switch Management on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Charitable Donations — Charitable Donations on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Beneficiary Payout Forecast — Beneficiary Payout Forecast on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Transaction Balance Reconciliation — Transaction Balance Reconciliation on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.