A 0–360 signal for the overall health of your retirement readiness, with ZaduAI explanations to help you understand the result.
Product preview. Check app availability.
Retirement-readiness signal
How healthy is your garden?
Zadu maps your holdings into three purpose-based zones. A balanced garden — liquid, harvesting, growing — is a healthy retirement. The G-Score reads the whole.
Reservoir
Cash, money market funds, and Treasury bills. Reserves for near-term needs and dry seasons.
Orchard
Income-focused bonds, dividend ETFs, and REITs. The rows grown for a current harvest.
Forest
Stocks and equity funds focused on long-term growth. The canopy grown for future seasons.
Explore an example savings timeline.
Move the age sliders to explore a fixed set of assumptions. This illustration does not use your portfolio or predict your retirement outcome.
Enable JavaScript to adjust the ages and draw the chart. The example balance above uses current age 32 and retirement age 65.
Example assumptions: $100,000 to start, $24,000 added each year until retirement, 5.2% annual growth, and yearly withdrawals of 4% of the balance at retirement. Taxes and fees are not modeled. The shaded ranges are visual illustrations, not probability estimates.
Three quiet steps.
Deterministic scoring. ZaduAI that explains, never decides. The engine computes your G-Score from holdings, profile, and the Garden framework — ZaduAI's only job is to make the result make sense.
Connect your holdings
Link accounts or upload positions. Zadu maps supported holdings into Reservoir, Orchard, or Forest.
The engine scores the garden
A deterministic engine reads balance, income, and growth across the three zones and produces your G-Score, 0 to 360.
ZaduAI explains what changed
Plain-language answers: what moved your score, why, and what would improve it. It explains — it never decides for you.
What changed, and why.
Three cadences. Each one tells you what moved in your garden and what it means for your score.
The pulse
Score movement and the single biggest driver. Thirty seconds with your coffee.
The walk-through
Zone-by-zone review: what the Reservoir, Orchard, and Forest each did this week.
The season
Trend lines, allocation drift, and one clear recommendation for the month ahead.
Start free. Grow when ready.
Premium
The full garden, tended daily.
- Daily G-Score refresh
- Daily, Weekly, and Monthly reports
- ZaduAI explanations for every change
- Unlimited linked accounts
Free
See where your garden stands.
- Monthly G-Score refresh
- Monthly report
- One linked account
App availability
This website previews Zadu. Public app downloads and Free or Premium signup are not available on this page yet.
For questions about access, email support@zadu.app.