Build wealth with clarity.
Move with confidence.
Your income, spending, savings, debt, and financial health—connected in one intelligent dashboard.
Budget
This is your saved plan. The income, expenses, and cash flow cards below use recorded transactions.
12-Month Cash Flow
Score Breakdown
Your score responds to cash flow, savings momentum, debt position, and progress toward your goals.
Positive cash flow gives you more power to save, invest, and eliminate debt.
Give every dollar a mission.
Update your budget and assign income toward needs, lifestyle, savings, investing, and debt freedom.
Your data stays on this device.
No bank login required. No financial data is transmitted.
Where Your Money Goes
12-Month Wealth Pulse
Monthly Budget Setup
Choose a month, estimate the income you expect to receive, then give each dollar a purpose. Needs cover essentials, wants cover flexible lifestyle spending, savings and investing build future security, and debt payoff is the extra amount you plan to pay beyond minimums.
Budget Projection
Every time you select a month and save its budget, the projection updates automatically. Planned allocations combine needs, wants, savings and investing, and debt payoff. The difference is your projected unallocated amount.
Projection values are planning estimates, not actual transactions. Use the Cash Flow chart on the main Dashboard to compare your plan with recorded income and expenses.
Add Transaction
Record income when it is received and expenses when they are paid. Accurate dates and categories keep your monthly cash flow, spending mix, and 12-month trends meaningful.
Transaction History
| Date | Type | Category | Description | Amount |
|---|
Debt Payoff Calculator
Add each debt separately using its current balance, annual percentage rate, and the payment you plan to make each month. The estimate assumes no new charges and a consistent payment.
| Debt | Balance | APR | Payment | Estimated Months |
|---|
Savings & Sinking Funds
Create separate goals for emergencies and known future expenses. A sinking fund lets you save gradually for items such as home repairs, travel, annual bills, or vehicle maintenance.
Assets
Liabilities
Investment Tracker
Track the total amount contributed, current account value, and planned monthly contribution. Gain or loss is calculated as current value minus contributions and will change with the market.
| Investment | Contributions | Current Value | Gain/Loss | Monthly |
|---|
52-Week Savings Challenge
Save the week number each week: $1 in week one, $2 in week two, through $52 in week fifty-two. Select a week after you transfer the money; select it again if you need to reopen it. Completing all 52 weeks builds $1,378.