Zadu
Retirement readiness

Investsmarter.safer.longer.

One number — 0 to 360 — for the health of your retirement. Deterministic scoring. ZaduAI that explains, never decides.

Get your score See the Garden

Free to start. No brokerage account required.

G-Score

Retirement Readiness Score

0
/ 360
Strong
0360
Risk capacity
Moderate
Stability
Medium
The Garden

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.

Illustrated isometric garden: an orchard of fruit trees on the left, a stone-bordered reservoir feeding a stream over a wooden bridge, and a pine forest with a water tower on the right.

Reservoir

Held water — your capital reserve

Money market and ultra-short bonds. The liquidity floor that keeps the rest of the garden safe in a dry season.

Orchard

The harvest

Dividend ETFs, REITs, and income alternatives. The rows that produce income you can pick every season.

Forest

The long-term canopy

Broad-market and growth equity ETFs, long bonds. The canopy that compounds quietly for decades.

Irrigation is not a zone — it is the water system that represents your cash flow. Pension, social security, annuities, and monthly income feed all three.
Projections

A thousand futures, one picture.

Zadu runs a Monte Carlo simulation across thousands of market paths. Move the sliders to see how your timeline reshapes the range of outcomes.

Starting savings
$100,000
32
65
Chance savings last to 95
—
Median balance at retirement
—
— years of growth
Retire
Median outcome Likely range (25–75%) Full range (10–90%)
How it works

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.

01

Connect your holdings

Link accounts or upload positions. Zadu maps every holding into Reservoir, Orchard, or Forest.

02

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.

03

ZaduAI explains what changed

Plain-language answers: what moved your score, why, and what would improve it. It explains — it never decides for you.

Reports

What changed, and why.

Three cadences. Each one tells you what moved in your garden and what it means for your score.

Daily

The pulse

Score movement and the single biggest driver. Thirty seconds with your coffee.

Weekly

The walk-through

Zone-by-zone review: what the Reservoir, Orchard, and Forest each did this week.

Monthly

The season

Trend lines, allocation drift, and one clear recommendation for the month ahead.

Pricing

Start free. Grow when ready.

Recommended

Premium

$20 / month

The full garden, tended daily.

  • Daily G-Score refresh
  • Daily, Weekly, and Monthly reports
  • ZaduAI explanations for every change
  • Unlimited linked accounts
Start Premium

Free

$0

See where your garden stands.

  • Monthly G-Score refresh
  • Monthly report
  • One linked account
Start Free