Financial Fitness PassportFrom Guesswork to Game Plan — AI Makes It Simple.
Stop guessing about your financial future. Instantly see where you stand—and where you could be. Our AI engine delivers personalized insights, smart calculators, and a clear roadmap to help guide you to financial freedom.
Privacy-first. No bank linking. Your data stays yours—export or delete anytime.
Your Financial Dashboard
Meet Penny
Penny is your always-on AI financial companion — available exclusively to Pro members to guide your financial journey.
She helps you understand your current situation, calculate key metrics, and explore ways to improve your financial health — all in plain English.
Whether you're checking your savings progress, comparing retirement scenarios, or testing a "what-if" calculation, Penny's here to help.
Available 24/7 for all Pro members — unlock her with your Pro subscription.
How It Works
1. Input Your Basics
Share your financial snapshot: income, savings, debts, and goals. No bank linking required—just the essentials.
2. AI Analyzes Instantly
Our intelligent engine crunches the numbers, models scenarios, and calculates your unique Retirement Number™ and Passport Score.
3. Get Your Roadmap
See exactly where you stand and what to do next. Track progress with badges, calculators, and personalized AI guidance.
Not Another Calculator—A Financial Co-Pilot
We combine AI technology, proven financial planning principles, and user-friendly design to help you plan with confidence—not confusion.
What Makes Us Different
Go Pro. Go Confident.
Upgrade to Pro for full access to your Retirement Number™, advanced AI tools, and personalized insights tailored to your goals.
| Feature | Free | Pro |
|---|---|---|
| Passport Score Dashboard | ||
| Cash Flow Analysis with Tax Calculator | ||
| Debt Plan (Snowball/Avalanche) | ||
| 6-Badge Progress System | ||
| PDF Export | ||
| Educational Academy (5 lessons) | ||
| Retirement Number™ Calculator | — | |
| Financial Calculators Suite (6 tools) | — | |
| AI Financial Coach | — | |
| Progress Interpreter (AI Analysis) | — | |
| 5 Bonus Academy Lessons | — | |
| Priority Support | — |
Features That Build Confidence
Passport Score
FreeOne clarity number (0-100) that reflects your financial readiness. See what improves it next.
Cash Flow Analysis
FreeTrack income and expenses with dual-column monthly/annual input. Built-in 2025 tax calculator for all 50 states—see your real after-tax cash flow.
Debt Plan & Simulator
FreeChoose Snowball or Avalanche strategies. Earn Bronze → Platinum badges as you crush milestones.
Insurance & Estate Tracking
FreeTurn overlooked essentials into simple, achievable steps with our 10-item checklist.
PDF Export & Data Control
FreeExport your financial snapshot anytime. Delete your data whenever you want—total control.
Educational Academy
Free + ProInteractive lessons with progress tracking. Pro users unlock 5 exclusive bonus lessons.
Retirement Number™
ProKnow exactly how close you are to funding your retirement. See % funded, adjust assumptions, get path to 100%.
Financial Calculators
ProLife & disability needs, PV/FV, mortgage, college savings—all with tooltips and instant results.
AI Financial Coach
ProChat with our AI coach for personalized guidance on debt payoff, investing, and next steps.
Progress Interpreter
ProAI-powered analysis of your financial wins, risks, and personalized next-best-step recommendations.
Trusted by Professionals Who Take Their Future Seriously
"The Retirement Number™ gave me clarity I couldn't get anywhere else. I finally know if I'm on track."
"Financial Fitness Passport made it easy to see where I stand and what steps to take. The debt simulator alone is worth it."
"I love that I don't have to link my bank. Privacy matters to me, and this app respects that while still being powerful."
Simple, Transparent Pricing
Free
Get started and build momentum
- Passport Score Dashboard
- Cash Flow Analysis with Tax Calculator
- Debt Plan with Snowball/Avalanche
- 6 Progress Badges (Bronze → Platinum)
- Educational Academy (5 lessons)
- PDF Export
Pro
Unlock the full financial intelligence platform
- Everything in Free, plus:
- Retirement Number™ Calculator
- 6 Financial Calculators (Life, Disability, Mortgage, etc.)
- AI Financial Coach for personalized guidance
- Progress Interpreter (AI insights on your wins & risks)
- 5 Bonus Academy Lessons
- Priority Support
All plans include complete data privacy and control. Cancel anytime.
Your Future Deserves Better Than Guesswork
Start with smart financial tools. Upgrade when you're ready to unlock your full Retirement Number™ and AI-powered insights.
No bank linking • Cancel anytime