Budget to zero, gut-check every purchase, and watch your dreams get funded - in plain, unfiltered English.
Zero-based budgeting: assign your income down to $0. Income comes from what you log in Transactions - log a paycheck first, then give every dollar a job here.
Set your paycheck and fixed bills once. They post automatically each month, and the entries they create appear on Track like anything else you log. This lives on Plan because deciding what repeats is a plan, not a record.
Every repeat you have set, on the day it actually falls. Tick one when it lands in your account and it is logged on Track; untick it and the entry comes back off. Nothing here changes the rule - it only says what has really happened yet.
The quiet ones. Small, monthly, automatic - which is exactly why they never get questioned. Tap what you actually pay for, put the real monthly cost in, and see what a year of it costs. Nothing here judges you; a membership you use and love is money well spent. The point is knowing which ones those are.
Every paycheck, every purchase. This is the truth your budget is measured against.
Hold up your bank statement - on screen or on paper - and take a shot of each page. Everything is read on this device: no upload, no account linking, nothing leaves the browser. You get back where the money actually went, and nothing lands in your ledger unless you send it there yourself.
Drop in a statement export and skip the manual typing. It is parsed entirely on your device - nothing is uploaded, nothing leaves the browser.
Money isn't the only thing you invest. Everyone gets the same 168 hours a week - some you sell to work, some you invest in yourself (health, learning, building, people), and some just leak into the screen. Where the hours go decides what the dollars can do next year.
Marketing, algorithms, status buys, convenience markups - they're engineered to strip your freedom. Scan what's tempting you and see the trap for what it is, priced in the one thing you can't get back: hours of your life. Set your wage in Settings for exact hours.
A nudge at the door of the shop. Pick the apps that usually get you, and your phone's own automation opens this gut-check the moment you open one - with the shop already named. Never a block. You still decide; you just decide on purpose.
Not sure? Lock the target in for 24 hours. The urge fades, the trap dies, and the ransom option only unlocks once the timer runs out. Most traps don't survive the wait.
One of these opens the app once a day. All of them are here, whenever you want one.
The times money left because something happened - not because you were tempted. Kept so the pattern can be seen, and so nothing here gets mistaken for a trap again.
Every trap you neutralize is money - and hours of your life - that stayed yours. This is the proof.
List what you owe, set what you can throw at it each month, and see the fastest, cheapest way out - with the interest priced in hours of your life.
Pick the kind first. It decides which of those you are asked for - a card is asked for its limit, a mortgage for the value of the house, a student loan for neither, because it has no other side.
Do not have the rate to hand? Add the debt anyway with the balance - it still counts what you owe. Come back and fill the rate in when you have the statement, and the numbers sharpen up.
Put in what you can throw at debt each month and this shows the payoff date, the interest it costs you, and which order to kill them in. Nothing here changes your budget; it is a projection you can argue with.
This is the whole amount, minimums included - not extra on top of them.
Paying off debt earns a guaranteed return equal to its rate. Investing might earn more - but it's not guaranteed. Here's the honest comparison of aiming that same money at the market instead.
A rate you pay against a return you hope for. The interest is a contract; the return is a guess - and this only ever does the arithmetic on both. It will not tell you whether to do it, because it cannot know, and anything that claims otherwise is selling you something.
The whole idea in four sentences. Say you borrow $100 and they charge you 5% a year. In a year you owe them $105 - the extra $5 is the rent on money that was never yours.
Now: you spent that $100 on something. If it is worth $110 a year later, you sell it, pay back the $105, and you are up $5. If it is still worth $100, you pay back $105 and you are down $5 - even though the thing did not lose a penny.
That is the catch, and it is the only one. Borrowing does not make a good idea better or a bad idea worse. It makes whatever happens bigger, in both directions. The $5 fee gets paid either way, which is why it has to make more than the fee just to leave you where you started.
Everything below is that, with your numbers instead of $100.
A trip, a fence, a cushion. None of it is debt - you have not spent anything yet - so nothing here charges you interest. What it costs is time, and this says how much of it, against the same money the plan above wants for your debts.
Unused room on a card or a line is the only debt that can fund something tomorrow. This puts it next to what you are actually saving for and prices the same monthly amount both ways - borrowed now, or set aside until it is paid for. It will not tell you which to do. It will tell you exactly what the hurry costs.
Leave it blank and any dream with a date on it prices itself from the pace that date already demands.
Your wealth layer: what you own, what you owe, and what you are building towards. Each part opens on its own so you are never reading all of it at once.
Everything else here is built from what you've logged. This is the one place you just state the truth: what is really in each account today, and what is really on each card. It feeds your net worth and your runway, and it's how "savings" becomes an answerable question - how much is emergency money, how much is the kids'.
Cards and lines of credit belong here too. Pick Credit card / line of credit as the kind and put in what is on it - $0 is a real answer, and on a line you keep at zero it is the whole point. What you owe comes straight off your net worth, the limit turns an unused line into a room figure, and the rate lets this app tell you what a balance is costing you. It also puts them in the Move list on Track, which is how a card payment gets logged without charging you twice for what you bought.
And it is the scoreboard. This app never connects to your bank, which means every other figure in it is built from what you chose to type - log less and it looks calmer. This number is the exception, because it comes from outside and you have nothing to gain by inflating it. What it does over months is the honest answer to whether any of this is working. Keep it current and the app can tell you the truth; let it go stale and it can only tell you about your typing.
The number is what lets a photograph do the work. A statement names itself in its header and names the other end of every internal move in the line itself - "Transfer to Loan 0003". Tell this app which digits are yours and it stops asking which account a scan came from, and it stops filing a move between two of your own accounts as money you spent.
Put in what your bank prints, not just the last four. Most credit unions number an account as a member number and then a suffix - 195794-0050 - and the suffix repeats: three accounts can end 0050 and two can end 0000. On its own it is not an identifier, and an app that guessed between them would file a statement against the wrong account with complete confidence. Give it both halves and the guessing stops. Separators do not matter; a dash, a star or a space all read the same. Nothing here ever leaves your device.
The real definition: an asset puts money IN your pocket. A liability takes money OUT. Not what you were sold - what's actually true. Net worth counts everything you'd walk away with, but only money-making assets are buying your freedom.
A budget with no dream behind it is just a spreadsheet. Name the thing. Put a number on it. Watch it get closer.
Courses, certs, tools, events - the spending that raises your earning ceiling. Log the cost and the extra you'd earn per hour, and I'll show the payback. This is offense, not consumption.
Money is energy. Hoarding stalls it; giving keeps it moving. Set a target, give on purpose, and watch it circulate. This isn't leftover money - it's a discipline of abundance.
The highest-yield asset is often a relationship. Track what you invest in people - a mentor lunch, a conference ticket, a strategic dinner - and rate the Return on Relationship so you can tell social investment from social noise.
Fake wealth looks rich and quietly drains you. Real wealth is silent and pays you. Here's which one you're actually building.
The techniques the "financially comfortable" already know. Plain English. No gatekeeping.
Money is energy. Tag your expenses and watch the ratio: capital flowing toward growth and giving vs. money leaking out of fear and scarcity. You tag a spend as you log it.
What actually happened, in four views. The numbers here are only as good as what you have logged - they are a mirror, not a verdict.
Write what actually happened, in your own words. The wins, the hard ones, what is coming. Nothing here is graded - and anything that sounds like money, I will offer to log for you.
The part of this that is not arithmetic. What you said at the start is here, in your words, and the questions under it are the ones worth coming back to - not once, but whenever the answer changes.
This one number powers everything: hours-of-life on every purchase, Freedom Mode, and your runway. Set it once.
Your real rate isn't your paycheck ÷ hours. It's what's left after the job's hidden costs - the commute, the gas, the work lunches - spread over the time the job actually eats.
A lot of spending isn't about the thing - it's about a feeling, and buying is just the fastest button. Write down what actually helps you when money isn't the answer. Do it now, while you're calm; the app shows the list back to you inside every gut-check, exactly when the urge is loudest.
Not the one who pays the bills? Turn this on to drop the Four Walls and zero-based budgeting entirely. The home screen becomes your spending, your streak, and the gut-check - built for tracking your own purchases (Amazon, coffee, the random stuff), not running the household.
Sharing money with a partner? Turn this on to tag income by person and see a fair, income-proportional split of the essentials.
One blunt money prompt a week. Clarity straight to your inbox - nothing else.
Zero spam. Unsubscribe anytime. Your financial data stays 100% on this device - only your email is shared, and only with the newsletter provider.
Turn off anything you do not use and it leaves the menu entirely. Nothing is deleted - whatever you have entered stays exactly where it is and comes straight back if you switch the area on again. Home, Plan, Track and Settings stay put, because an app without them has nothing to do.
Nothing, and there is no locked version. No ads, no subscription, no affiliate links pointing you at where to put your money - that would make this the exact thing it was built to fight. It does not see your numbers, so it could not sell them if it wanted to.
One payment, no account, nothing unlocks - you would be paying for the thing you already have. Entirely optional, and the app never asks twice.
Everything lives on this device. Nothing leaves it unless you turn on sync - and sync is encrypted before it goes.
Wipes the budget, every transaction, your goals and your settings from this browser. There is no server copy and no undo - so save a backup first if there is any chance you will want this back.
Your data lives only in this browser, so clearing your cache or switching devices would wipe it. Save an encrypted backup file you can restore anywhere with your passphrase. The file is scrambled - useless to anyone without the phrase.
A web app cannot write a file to your device on its own - no browser allows it, which is the same rule that stops any page dropping files on your machine. So this watches the clock and asks; saving is one tap.
Guided mode unrolls advanced tools (offense, net worth, sovereignty) only as your Freedom Runway grows, so early on you see just the survival essentials. Switch to Show everything if you want every tool visible now.
Clean keeps the explanations off the screen. Each panel gets a small ? beside its heading, and every word that used to sit there is behind it. Brief clips each one to two lines with a More. Full shows everything, always. Nothing is ever deleted - the only question is whether you read it now or when you ask.
How you want to be held accountable. This is the voice used everywhere - questions, gut-checks, nudges. Forgiving is gentle, Savage pulls no punches. The row below sets how it talks, not how old you are - pick whichever sounds like a person you would listen to.
Chat pacing. The setup chat takes a beat before answering, the way a person would. Turn it off if you would rather it kept up with you.
If something has been fixed and your phone still does the old thing, this is how you tell whether the fix has actually reached you. Read it out when you report something.