The people who need budgeting and debt tools the most — the ones living paycheck to paycheck, drowning in student loans, trying to figure out if they can ever afford a home — are the last people who should be asked to pay $15 a month for a budgeting app.
That is $180 a year just for the privilege of tracking where your money goes. For someone who is struggling, that is groceries. That is a utility bill. That is gas for the week.
The “free” alternatives are not really free
The apps that do not charge you a subscription charge you something else: your data. Every debt balance, every income source, every expense category — handed over to a company that monetizes it. Credit Karma did not absorb Mint out of generosity. They want your financial profile so they can sell you credit cards and loans. The very products that keep people in debt.
It is a cruel irony: the personal finance industry profits from the people it claims to help. Need to get out of debt? Sign up, hand over all your financial details, and pay a monthly fee. It is the same cycle dressed up as a solution.
There is another way
This site was built on a simple idea: financial planning tools should be free and private. Not “free with an asterisk.” Actually free.
When you use this site, you can:
- Open any tool and start using it immediately — no sign-up, no email, no account
- Track your budget, model your debt payoff, plan your student loan strategy, and project your retirement
- Keep everything connected — debt payments flow into your budget, your budget feeds your retirement projection
- Know that your data never leaves your device — it stays in your browser and nowhere else
Who is this for?
The person making $30,000 a year with $50,000 in student loans deserves the same quality tools as someone who can casually drop $15 a month on a premium finance app. A single parent trying to figure out whether to pay down the credit card or the car loan first should not have to create an account and hand over their financial life to get an answer.
Financial literacy and planning tools should be accessible to everyone — not gatekept behind subscriptions and data harvesting.
The real difference
Most personal finance tools ask you to choose: pay money, or pay with your privacy. Here, you do not have to choose. The tools are free. Your data is yours. And everything works together so you do not need five different apps and five different accounts to get a clear picture of your finances.
That is it. No catch. No upsell. Just tools that help you take the next step.