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A complete checkup of your financial life
Bring your financial life into focus and move forward with confidence.
Free to start. Enter your information yourself, or connect eligible accounts through Plaid to reduce manual updates. The choice is yours.
Latest appearance
Transforming Your Identity & Overcoming Fear of Failure with Scott Zuckerman | Unpack Your Life Ep 30
Unpack Your Life · September 10, 2026
Your financial life shouldn't be a collection of disconnected pieces.
One checkup. One connected view of your financial life.
Without FFP
When the pieces are separate
Important information lives in different places.
- Spreadsheets
- Helpful for organizing what you enter, but easy to fall out of date and difficult to connect to the rest of your financial life.
- Budgeting apps
- Useful for understanding spending and cash flow, but they may not show how those decisions affect your broader financial picture.
- Single-purpose calculators
- Helpful for answering one question, but each result stands on its own.
With FFP
One clear view. A more confident path forward.
Financial Fitness Passport replaces the pile with one connected picture: every area of your financial life checked, graded, and put in order, so you can see the whole thing and know what to do next.
What FFP helps you do
Understand where you stand.
See the important areas of your financial life brought together in one clear view.
Know what to focus on next.
Recognize strengths and potential gaps without feeling like you have to address everything at once.
Follow a clear path forward.
Use your personalized roadmap to take the next step and track your progress over time.
Earn rewards as you go.
Complete module tiers to earn badges that mark your progress across every area.
See where you stand in minutes.
What gets easier with FFP
See where you stand
One score across the seven scored areas.
See what needs work
Every area graded, so the gaps are obvious.
Work in order
A first thing to do, not seven things to worry about.
Watch it move
Progress shows up in the score.
See your investments clearly
Your portfolio by asset class, from the accounts you connect or the statements you upload.
Follow the money each month
What comes in, what goes out, what is left.
Set goals that fit your budget
Pick a goal and see what it takes each month - and what is left over.
Plan your payoff
Compare payoff strategies and watch your balances fall.
Meet Penny™ - your AI Financial Guide
- Explains your Passport Score and the areas behind it.
- Answers questions about your own numbers, not generic examples.
- Analyzes the statements you upload and your cash flow to surface what matters.
- Points to the area that deserves attention next.
- Available whenever you are.
Penny
Your AI Assistant
Your next priority: Build your emergency reserve
Penny explains what FFP found. It is educational, not individualized financial, legal, or tax advice.
Try Penny in a live demoPrivacy-first. No bank linking required.
Enter your information yourself, or securely connect eligible accounts to help keep key numbers more current automatically. You stay in control, and you can disconnect, export, or delete your data anytime.
Pro
Get a plan
Your personalized roadmap, Penny, and full Pro experience. Update your information when it changes.
Start your free Pro trialPro Connected
Stay current with less work
Everything in Pro, plus secure account connections that help keep key balances and activity more current with less manual updating.
Start your free Pro Connected trialFrom our App Store reviews
“Super intuitive, easy to navigate and extremely helpful. If you are a beginner or savvy, you will find this useful.”
JasonM220, reviewed on the App Store “Easy to use and has clear goal tracking. Secure and reliable.”
Avid user 22333, reviewed on the App Store “Financial Fitness Passport is an outstanding app - intuitive, easy to use, and genuinely helpful. Its smart use of AI makes it simple to organize and understand your finances, while giving you practical guidance to plan confidently for the future. Highly recommend.”
Steve Yamaha, reviewed on the App Store “This app takes information that often feels overwhelming and makes it simple and easy to understand. It helped me find where I am tossing money out the window and where I had not planned well for the future. It's practical and informative. This is definitely a life saver.”
Reviewed on the App Store
FFP also works for employers, advisors, and financial institutions.
See FFP for organizationsFrequently Asked Questions
What is Financial Fitness Passport™?
Financial Fitness Passport™ is a complete financial checkup and action system. It looks across the important areas of your financial life, gives you a Passport Score across the seven scored areas, and helps you understand what deserves your attention next.
Do I need to link my bank accounts?
No. You can enter your information yourself, and no bank linking is required. If you would rather do less manual updating, you can choose to connect eligible accounts so key balances and activity stay more current. You stay in control either way.
What is the Passport Score?
Your Passport Score is one number across the seven scored areas of your financial life. Each area is graded, so you can see where you are strong, where a gap may exist, and what deserves attention first.
Is there a free version?
Yes. The free plan covers account creation, the onboarding self-assessment, and your Passport Score, so you can see where you stand. The full roadmap, the Pro modules, the Academy, and Penny are part of Pro.
What does Pro include?
Pro turns your score into a plan: your personalized roadmap, Penny to help you understand what FFP finds, and the full Pro experience across Cash Flow, Debt, Emergency Fund, Insurance, Investing, Taxes and Estate Planning — plus the Academy, anonymous benchmarks, PDF export of your Passport, and priority support. You update your information whenever it changes.
Free shows you where you stand. Pro shows you what to work on next.
Free to start. Enter your information yourself, or connect eligible accounts through Plaid to reduce manual updates. The choice is yours.