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

Zero-Based Budgeting for Beginners (The Complete Guide)

Every dollar gets a job. Income minus all planned expenses, debt payments, and savings equals exactly zero.

How It Differs From Traditional Budgeting

Traditional: spend first, save what's left. Zero-based: assign every dollar first, then spend within those assignments.

Step-by-Step Setup

Calculate income, list fixed expenses, list variable expenses, assign surplus to debt and goals. The result should be $0 unassigned.

Why It Works

Forces intentionality and eliminates the "where did my money go?" problem. Awareness alone typically saves 10-15% of income.