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

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

Your budget surplus is the gap between what you earn and what you spend. It fuels everything: debt payoff, savings, investments, and financial freedom.

Budget Surplus, Defined

Surplus = Monthly Income − Monthly Expenses. This is what you have available for debt payments, savings, and investments.

Why Surplus Matters More Than Income

A person earning $150,000 with a $500 surplus is worse off than someone earning $60,000 with a $1,500 surplus. It's not what you make—it's what you keep.

How to Calculate Your Surplus

Add all income, subtract fixed and variable expenses. The result is your surplus.

What to Do With Your Surplus

Emergency fund first, then employer match, high-interest debt, Roth IRA, 401k, then additional goals.