Built at Hack-a-Claw 2026 · NVIDIA × UCSC Baskin Engineering

Pathwise is an autonomous AI agent that takes your financial situation in plain English and builds a personalized month-by-month roadmap to hit your goals.

You describe your finances. Pathwise does the rest:

• Live tool use — fetches real HYSA, mortgage, and S&P 500 rates via Tavily
• Multi-step reasoning — reasons through priorities (debt → emergency fund → investing → goals)
• Month-by-month roadmap — specific dollar amounts for each phase
• Persistent memory — remembers your profile and plan across sessions
• What-if scenarios — updates your plan on the fly ("what if I get a raise?")
• Interactive charts — visualizes debt payoff, surplus allocation, and net worth trajectory

"I'm a UCSC student, I make $1,200/month from part-time work, I have $4,500 in credit card debt at 24% APR, and I want to graduate debt-free in 2 years."

Pathwise autonomously:

1. Fetches live HYSA rates, mortgage rates, and S&P 500 outlook
2. Extracts your financial profile
3. Reasons through debt vs. emergency fund vs. investing priorities
4. Builds a 12-month roadmap with specific dollar amounts per phase
5. Saves your plan to memory for future sessions
6. Runs what-if scenarios on demand

User Input (plain English) ↓ Live Rate Fetcher (Tavily Search)

• HYSA rates
• Mortgage rates
• S&P 500 outlook ↓ OpenClaw Agent (autonomous reasoning)
• Configured with NVIDIA Nemotron via NIM
• Persistent memory across sessions
• Multi-step financial planning logic ↓ Structured JSON Output ↓ Flask Web UI (charts, timelines, what-if)

• Python 3.10+
• Node.js 22+
• NVIDIA API key (build.nvidia.com/settings/api-keys)
• Tavily API key (tavily.com)

npm install -g openclaw
openclaw onboard
# Choose NVIDIA as provider, paste your API key

git clone https://github.com/saraxjain/pathwise.git
cd pathwise
python3 -m venv venv
source venv/bin/activate
pip install flask openai python-dotenv tavily-python requests

echo "NVIDIA_API_KEY=nvapi-..." > .env
echo "TAVILY_API_KEY=tvly-..." >> .env

# Terminal 1 — OpenClaw agent (keep running)
openclaw tui

# Terminal 2 — web app
python3 app.py

Open http://127.0.0.1:5001

• Cloud Track — NVIDIA NIM endpoints via Brev
• Best for UCSC — Built for UCSC students managing part-time income, student loans, and post-graduation financial goals

Chintan Patwardhan, Haatim Ali, Sara Jain Built at Hack-a-Claw 2026 — a 24-hour NVIDIA hackathon at UC Santa Cruz Baskin Engineering.