Your latest report
Upgrade to Pro to unlock full score history, net worth trends, goals, saved scenarios, and achievements.
Upgrade to ProLet's get your first grade
Your dashboard fills in as soon as you complete a check-in — score history, net worth trends, goals, plans, and achievements, all in one place.
Get My Report CardWelcome
Where your net worth lives
Current allocation across your major assets.
Income vs. expenses
See your monthly margin at a glance.
What changed since last check-in
Your latest check-in compared with the one before it.
Your next best move
The single highest-impact thing to focus on right now.
Your goals
Track progress toward what you're working on.
Watch your grade climb over time.
Every check-in adds a new data point — your score, your subjects, and how far you've come.
Grade history
The five factors behind your overall grade, graded individually — same as a real report card.
Complete a check-in to see personalized remarks here.
Consistency is most of what makes a grade move.
Run a second check-in to start seeing your progress trend here.
Made an entry mistake or want to remove an old check-in? You can delete any individual entry below — this can't be undone.
Everything about where your money is and where it moves — updated from your latest check-in.
Every dollar, one line.
Log an update anytime — assets, debts, and the trend that ties them together.
Keep your trend current
Enter what's changed. Anything left blank keeps its last known value.
Net worth over time
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Remove a single update or clear every quick net-worth update saved from this dashboard.
Track net worth by individual account instead of one lump number per category — then sync the totals into your Net Worth chart.
This needs your latest numbers — takes under a minute.
Update My Finances →Assets Flow
Liabilities Flow
Income & Savings Flow
Net Worth Trend
This needs your latest numbers — takes under a minute.
Update My Finances →Add your recurring bills and subscriptions to see the real total, and how much of your monthly expenses they actually make up. Saved on this device.
This needs your latest numbers — takes under a minute.
Update My Finances →We don't have access to your real credit score (no credit bureau connects here) — but utilization, the amount you owe versus your available credit, is the one factor you can see and act on directly. It's also the single biggest lever you actually control, at 30% of a real FICO score.
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General FICO methodology — not calculated from your specific data, since that requires a real credit bureau. Utilization is the only factor above we can actually show you in real time.
This needs your latest numbers — takes under a minute.
Update My Finances →Where your money actually sits right now — computed directly from what you entered, no assumptions needed for this part.
This app has no visibility into how your retirement and brokerage accounts are actually invested internally — that detail lives with your account provider, not here. Estimate your split below and we'll compare it to a common age-based guideline.
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Set a monthly limit per category, log expenses as they happen, and see exactly where you stand.
Turn your financial plans into measurable progress.
Your next move, your biggest opportunities, a real debt payoff plan, and what-if scenarios — all built from your latest check-in.
Your next best move
The single highest-impact thing to focus on right now.
Project when you'll hit FI and what moves that date.
This needs your latest numbers — takes under a minute.
Update My Finances →This needs your latest numbers — takes under a minute.
Update My Finances →This needs your latest numbers — takes under a minute.
Update My Finances →Quick What-If is available in this Plan area. Use the sliders below to test assumptions before you change anything in real life. The grade itself remains the score from your latest check-in.
Add real life events to your timeline and watch your net worth path reshape around them — buying a home, a kid, a job loss, a raise. See exactly how much runway you have either way.
The "safe withdrawal rate" is the assumption behind every FI number you've ever seen — drag it and watch your actual target move.
Real milestones from your actual financial journey — no gimmicks, no gambling mechanics.
Build your path to financial freedom.
Enter your numbers below. Your projection updates instantly with colorful charts, scenarios, milestones, and clear next steps.
Let's run the numbers
Your wealth over time
Retirement readiness
How different market outcomes change your path
Your roadmap
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How your money is actually working.
Diversification, hidden fee drag, and how you stack up against a simple index fund — the analysis most people never get to see.
How spread out your money is across asset types.
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Your investable assets, broken out by type.
A 1% fee sounds small. Over decades, it almost never is.
If your current invested balance just tracked a plain, low-cost index fund from here on, versus growing at your own estimated rate.
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Three ways to understand your grade.
How you compare to real benchmarks, how your money feels day-to-day, and how you'd hold up in a tough month.
Deeper context on your grade — how you compare, how it feels day-to-day, and how you'd hold up in a tough month.
This needs your latest numbers — takes under a minute.
Update My Finances →The 5 things that make up your overall grade, weighted by how much each one actually matters.
How you compare to our benchmark (estimated) Net worth by age — how you compareThe line shows commonly-cited savings milestones (a multiple of income by age) purely for context. Your own target — the diamond marker — comes from this app's actual scoring model, which may differ from the general milestone line.
This needs your latest numbers — takes under a minute.
Update My Finances →Your real hourly wage, based on what you actually entered — then any dollar amount translated into hours of your life.
What % of every future raise do you save instead of spend? Same starting point, wildly different 20-year outcomes.
Ahead, on pace, or behind for your age — at a glance.
This needs your latest numbers — takes under a minute.
Update My Finances →Stress Test Your Finances
Life happens. We run the numbers so you can be ready for it.
- See how shocks impact your money
- Compare different "what if" scenarios
- Get a clear next best move
How prepared you are to weather financial shocks.
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Adjust the variables below to see how different situations could affect your finances.
Building your emergency fund to 6–12 months of expenses would significantly improve your resilience.
Want more control? Open the advanced 12-variable simulator ↓
If your income stopped tomorrow, what actually happens to your money?
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