Software as a service (SAAS) services featuring software for household financial planning, personal financial management, budgeting, cash flow planning, financial analysis, financial scenario modeling, and organizing household financial information for educational and informational purposes; Providing temporary use of on-line non-downloadable software and applications using artificial intelligence (AI) for analyzing household financial information, generating educational financial information, and modeling financial scenarios; Providing temporary use of on-line non-downloadable software for organizing financial documents and household financial data.