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

The r/personalfinance Flowchart Explained (Complete Guide)

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

Step 1: Build a Budget and Reduce Expenses

Everything starts with knowing your budget surplus — the fuel for every financial step that follows.

Step 2: Build a Small Emergency Fund ($1,000)

A $1,000 buffer prevents unexpected expenses from becoming credit card debt.

Step 3: Get Your Full Employer 401k Match

Free money with a guaranteed 50-100% return. Always take the full match before paying extra on debt.

Step 4: Pay Off High-Interest Debt

Use the avalanche method to eliminate debt above 6-8% APR. Paying off 22% credit card debt is a guaranteed 22% return.

Steps 5-9: Emergency Fund, Roth IRA, 401k, HSA, Taxable Investing

Build your full emergency fund, then max tax-advantaged accounts in order of priority before taxable investing.