Worthy's core features and capabilities

Last updated: March 23, 2026

Worthy is an AI-native tax planning platform built for financial advisors. Here's a full overview of what's included.

Core functionality

  • Tax return parsing: Instantly extracts data from 1040s, W-2s, K-1s, and other income schedules, as well as equity grants

  • Automatic client account creation: Client profiles are created automatically based on uploaded documents

  • Flexible tax scenario analysis: Supports federal tax scenarios and a growing number of state scenarios

  • Tax bracket optimization: Identifies opportunities to keep clients in the most favorable tax bracket

  • IRMAA bracket optimization: Factors in IRMAA thresholds when modeling Roth conversion strategies

  • Roth conversion calculator & planning: Full Roth conversion modeling built in

  • Custom charts, graphs, and tables: Generate visual outputs on the fly for any scenario

  • AI-native chat interface: Ask questions in plain language and get answers in context

  • Conversation memory: Worthy retains details across sessions so nothing gets lost between meetings

  • Client-ready PDF reports: Generate advisor-branded reports to share directly with clients

Differentiated tools

  1. Cross-book queries: Ask questions across your entire client base — for example, "Which clients would benefit most from a Roth conversion?"

  2. Contextually-aware chat: Worthy learns from everything you share and can answer any question about a client, build custom models, or explain relevant tax code

  3. "Build on the fly" report builder: Add anything from the client dashboard, calculators, or chat to a client-ready report in real time

  4. Equity compensation analysis: Models the timing and tax nature of equity compensation, including ordinary income, capital gains, and potential AMT exposure

Intelligence features

  1. Conversational memory: Retains every client detail from tax returns and prior conversations

  2. Context-aware prompts: Suggests relevant questions based on client context

  3. AI Native + Human in Loop: Designed to keep the advisor in control while AI handles the heavy lifting

  4. Business entity detection: Identifies and flags potential optimization opportunities related to business entities

  5. Held-away asset identification: Surfaces assets held outside the advisor's book

  6. Tax validator: Flags potential issues in uploaded tax forms before you act on them

To see a demo, sign up at https://withworthy.com/contact