Here's where you stand
Can I Afford It?
Models a big purchase against your real income, debts, bills, and living expenses. The rate is estimated from your credit score — edit any field to match a real quote.
Toggle scenarios — the verdict, DTI, and cash-flow update live.
AI Money Coach
Ask anything about your money — “Can I afford a $300/mo car payment?”, “Which card should I pay first?”, “How do I get my credit score up before April?” Or hit Analyze my budget for a full read.
Educational guidance based on your numbers — not licensed financial advice.
Income & Paychecks
Earner
Biweekly paycheck
First payday
Of your commission: 90% to debt & goals · 10% fun
A commission is a windfall — bills are already covered, so most of it goes to your debt plan / goals, with a little kept for fun.
Total Income This Month
$0.00
| Payday | Source | Amount | Needs | Wants | Savings |
|---|
Account Balance
Current Cash
$0.00
Starting − payments logged
Projected Month-End
$0.00
Starting + income − monthly payments
Connected Bank
Connect your bank to pull real balances, credit-card APR/limit/due dates, and spending automatically. Bank-level encryption; your login is never seen by this app.
Budget Plan
Bills & Debt Payoff list
| Name | Type | Bucket | Balance Owed | Monthly Payment | APR% | Due Date | This Month's Plan | Payoff Estimate | Actions |
|---|
Monthly Payments
$0.00
Debt Remaining
$0.00
Leftover
$0.00
NeedsMust-pay essentials to live and work — rent/mortgage, utilities, groceries, insurance, minimum loan payments, transportation.
WantsNice-to-have lifestyle spending you could cut — dining out, streaming, hobbies, travel, shopping, entertainment.
Savings / Debt PayoffMoney building your future — emergency fund, retirement, investments, and extra payments beyond the minimum to kill debt faster.
Credit Report Guard
Your reported utilization = balance on the statement closing date ÷ credit limit. Pay each card down to its target 2 days before it closes so a low balance reports to the bureaus. Always pay the statement in full by the due date to avoid interest.
Credit Score Simulator
The score sweet spot is low single-digit utilization (about 1–9%), not 0% — keep one card reporting a small balance and the rest at $0 (the "AZEO" approach). Under 30% avoids damage; under 10% is excellent. Paying a card to $0 still saves interest and is fine — it just doesn't beat a tiny reported balance for your score. AI estimate from your real balances and limits, not a guarantee.
Credit Report Analyzer
Upload your credit report PDF from any of the 3 bureaus (Equifax, Experian, TransUnion) — or all three — and the AI reads the full report and gives you a prioritized plan to max out your score: utilization targets, disputes, and what to protect.
⚠ The report text is extracted in your browser; only that text is sent to Anthropic's API to be read, processed in memory, and discarded — never stored. Large multi-page reports (100+ pages) work fine. Scanned/image-only PDFs may have no readable text — use the downloaded PDF from the bureau.
Payday Plan
Sets which paychecks the plan counts (your income window). Bills lay into each week by their due date — tick one paid or push it (→) to a later week to override.
Of your Savings each check: 20% to goals, the rest to debt
Carve a slice straight to goals so they grow even while you're paying down debt. The rest follows your debt plan.
Each paycheck covers its bills first. A slice of your Savings goes straight to goals (set above), and the rest follows your debt plan — extra payments to your priority credit-card debt (avalanche or snowball). Anything left after debt also flows to goals. Auto loans and other installment debt just get their scheduled payment, not aggressive payoff. Fun is yours to spend.
Goals & Savings
Your emergency fund target is a multiple of your monthly living expenses (Needs bills). Add goals for anything you're saving toward — enter what you've set aside and watch each fill up.
Estimate vs Actual
| Bucket | Estimate | Actual | Difference |
|---|
Estimate is your plan: your average monthly pay split by your budget percentages. Connect a bank (Income tab) and Actual becomes real measured spending from your statements — Needs and Wants from where money actually went, Savings = income you didn't spend. Until then, Actual reflects your bills + planned slices.
