of Americans can't cover a $1,000 emergency.
in credit card debt. A record high.
of Americans in credit card debt regret their spending.
Budgeting apps solve the wrong problem. They track what already happened. Nothing intervenes at the moment you're about to make the wrong call. People don't need another spreadsheet. They need something that shows up when it matters.
AI that understands your finances, then acts on them.
We diagnose your situation first. Not generic budgets — a real picture of what's broken and why.
AI builds a plan with you — credit cards, auto loans, all of it — with a real timeline to get out.
A prepaid card with active friction: location-based alerts, cool-down periods, declined purchases when you're off-plan.
See exactly how every decision helps or hurts your goals. Real-time. No guessing.
Free for users. No subscription. No paywall. We earn interchange on card spending and partner referrals. Our incentives are aligned: we only win when you recover.
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