Financial Fitness Passport™From Guesswork to Game Plan...
AI-Powered Financial IntelligenceCreated by Financial Professionals
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.
No signup required. Limited demo.
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.
Full access available with Pro. Try a live demo below.
Chat With Penny (Live Demo)Limited educational demo. No account required.
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.
4. Get Rewarded
As you make progress and unlock badges, earn exclusive rewards and offers to support you on your financial journey.
Not Another Calculator—A Financial Co-Pilot
We combine AI technology, proven financial guidance principles, and user-friendly design to help you move forward with confidence—not confusion.
What Makes Us Different
Choose Your Plan
From free essentials to Pro features and Enterprise team plans — find the perfect fit for your financial wellness journey.
| Feature | Free | Pro | Enterprise |
|---|---|---|---|
| Passport Score Dashboard | |||
| Cash Flow Analysis with Tax Calculator | |||
| Debt Plan (Snowball/Avalanche) | |||
| 7-Badge Progress System | |||
| PDF Export | |||
| Educational Academy (12 lessons) | |||
| Retirement Number™ Calculator | — | ||
| Financial Calculators Suite (6 tools) | — | ||
| AI Financial Coach | — | ||
| Progress Interpreter (AI Analysis) | — | ||
| Financial Goals Planner | — | ||
| 8 Bonus Academy Lessons | — | ||
| Priority Support | — | ||
| Custom features & pricing for employers | — | — |
Simple, Transparent Pricing
Free
Get started and build momentum
- Passport Score Dashboard
- Cash Flow Analysis with Tax Calculator
- Debt Plan with Snowball/Avalanche
- 7 Progress Badges
- Educational Academy (12 lessons)
- PDF Export
Pro
Unlock the full financial intelligence platform
- Everything in Free, plus:
- Retirement Number™
- Financial Calculators
- AI Financial Coach
- Progress Interpreter
- 8 Bonus Academy Lessons
Enterprise
Volume pricing for teams
Perfect for employers who want to offer financial wellness to employees
- Pro access for every employee
- Central onboarding link
- HR launch toolkit
- Priority support
- Volume discounts ($30-$60/employee/year)
All plans include complete data privacy and control. Cancel anytime.
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.
Investing Tracker
FreeTrack your portfolio across 401(k), IRA, brokerage, and more. See total allocation, auto-debit contributions, and progress toward your goals.
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.
Financial Goals Planner
ProCreate personalized goals for buying a home, retirement, paying off debt, and more. Get specialized calculators, timeline tracking, and AI coaching.
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."
Frequently Asked Questions
Everything you need to know about Financial Fitness Passport™
What is Financial Fitness Passport™?
Financial Fitness Passport™ is AI-powered financial guidance software that helps you understand your financial health, prepare for retirement, manage debt, and achieve your financial goals. It features a personalized Passport Score, exclusive Retirement Number™ calculator, and AI-powered coaching.
Do I need to link my bank accounts?
No. Financial Fitness Passport™ is privacy-first by design. You manually enter your financial information, giving you complete control over your data. No bank linking is required.
What is the Retirement Number™?
The Retirement Number™ is our exclusive metric that shows exactly how close you are to funding your desired retirement lifestyle. It calculates your progress toward financial independence based on your income, savings, investments, and retirement goals.
Is there a free version?
Yes! The free plan includes essential tools like Passport Score, Cash Flow Analysis with tax calculator, Debt Planning with snowball/avalanche strategies, 7-badge progress system, and 12 educational academy lessons.
What does Pro include?
Pro unlocks advanced features including the Retirement Number™ calculator, AI Financial Coach (Penny), 6 professional financial calculators, Progress Interpreter, Financial Goals Planner, 8 bonus academy lessons, and priority support.
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