How it works

Five stages. You can stop after the second one and still be better off than you were this morning.

1. Intake — free

You tell us the truth: what comes in, what goes out, what you owe, what you own, what your credit looks like. It takes about twenty minutes if you have statements handy. Rough numbers are allowed; guesses are not, because a plan built on guesses is worth exactly what you paid for the guesses.

2. Your dashboard — free

The same numbers, added up honestly: total owed, weighted interest rate, minimum payments, monthly surplus or shortfall, net worth, months of runway. No advice yet — just your own situation, finally in one place. Most people have never seen this.

3. Assessment — paid

This is our work, not yours. We look at the whole picture and produce ranked findings: what is hurting you most, what is cheapest to fix, what will still be a problem in two years if nothing changes. Each one shows the numbers it came from.

4. Diagnosis and roadmap — paid

The cause, not the symptom. Then a sequenced plan: what to pay, in what order, and what to stop doing. Every plan is modeled against a do nothing baseline, so you can see exactly what inaction costs in dollars and months.

5. Execution and review — paid

Payoff scenarios you can move a slider on, education delivered at the moment you need it, a printable report, and a monthly check-in that updates the plan as your life changes.

Your 24-hour trial starts when your intake is complete — not when you sign up. We'd rather you spend that day reading your own plan than filling in forms.

Your information

Self-reported by you, encrypted at rest, never sold, never shared with lenders or collectors. Bank and credit connections are optional and come later — the product works without them.