Track Net Worth, Budget & Crush Debt

See exactly where every dollar goes. Track your net worth, crush your debt, and watch your goals become reality—all in one place.

Features

• Know your exact net worth - See your complete financial picture updated every time you log in
• Every dollar has a job - Envelope-style budgeting with every dollar accounted for
• Attack debt strategically - The avalanche method picks which debt to attack first
• First things first - Emergency fund, vacation, house down payment in order

Get started in 3 simple steps

1. Enter your budget - Our wizard walks you through it in under 5 minutes
2. See your surplus - Instantly see how much money you have for debt payoff
3. Watch your progress - Track your debt-free date and goal timelines

Personal Finance Guides

Practical advice on budgeting, debt payoff, and building wealth.

How to Use the Debt Avalanche Method (Step-by-Step Guide)

Learn the exact steps to pay off debt using the avalanche method. This mathematically optimal strategy saves you the most money in interest.

What Is a Budget Surplus? (And Why It Changes Everything)

Your budget surplus is the most important number in personal finance. Learn what it means and how to use it to crush debt and build wealth.

How to Pay Off $10,000 in Credit Card Debt (A Real Plan)

A step-by-step, no-nonsense plan to eliminate $10K in credit card debt with timeline examples and strategy comparisons.

Avalanche vs Snowball Method: Which Saves You More Money?

A side-by-side comparison of the two most popular debt payoff strategies, with real numbers.

How Much Should I Save Per Month? (Based on Your Income)

Practical savings benchmarks by income level and how your budget surplus determines your savings rate.

Best Budget Apps That Don't Connect to Your Bank (2026)

Privacy-focused, manual-entry budgeting apps for people who want full control.

The r/personalfinance Flowchart Explained (Complete Guide)

A comprehensive walkthrough of the famous Reddit personal finance flowchart, updated with 2026 contribution limits.

How to Build an Emergency Fund in 6 Months (Step-by-Step)

A practical plan to build a fully funded emergency fund in 6 months using your budget surplus.

Debt-Free Journey: Real Examples and Timelines

Realistic debt payoff scenarios with actual numbers, timelines, and strategies at different income levels.

Zero-Based Budgeting for Beginners (The Complete Guide)

The budgeting method where every dollar gets a job. Step-by-step setup with categories and common mistakes.