Five precision tools — budgeting, debt payoff, paycheck math, W-4 calibration, and a full federal tax return — sharing one source of truth. Built for anyone, not just spreadsheet people.
One product, five built-in tools. Each tab connects to the same forecast engine — change one input, every projection updates.
Tests every payoff strategy across all orderings. Avalanche, snowball, dynamic, promo-aware — picks the one that saves you most.
Bi-weekly paychecks meet monthly bills meet quarterly insurance. The math just works.
One-time income, irregular cash flow, multi-frequency paydays. Forecast 4 years out with confidence.
Override any paycheck for that one weird month. Side gigs, client wires, plasma donations — it all maps cleanly.
Punch in your bank balance, paychecks, and bills. See your debt-free date. Adjust the sliders. That's the workflow.
Each tool is fully functional. Each one talks to the others. None of them are paywalled.
Map every paycheck and every bill onto a calendar. See your lowest balance, find the tight weeks before they hit you. Forecast up to 1,500 days.
Tests every strategy across every ordering. Tells you the exact payment to make, this paycheck, on which card.
Federal, state, FICA, 401(k), HSA, post-tax deductions. Bi-weekly, semi-monthly, weekly, monthly — whatever your employer does.
Two jobs, one job, married, single — same form. Tells you exactly what to put on Lines 4a/4b/4c so April never surprises you.
W-2, 1099, K-1, RSU, capital gains, itemized vs standard. Same engine the rest of the app uses, no separate fee.
Manual entry, by design. The math doesn't care if you typed it or scraped it from Plaid — and we don't want your credentials.
Paychecks, side income, one-time bonuses. Set the frequency and we'll project them out forever.
Bills, subscriptions, debts. APR, promo-rate expirations, due day, last-paid date. We track the schedule.
Cash-flow forecast, debt-free date, paycheck-by-paycheck breakdown, EF target tracker. Updated live as you tweak.
No tiers. No upsells. No "Pro" plan that adds back the feature you actually need.
No. Manual entry, by design. We never see your credentials, and there's nothing to revoke if you cancel.
Cross-validated against my own CPA-prepared returns for multiple filing years. Supports W-2, 1099, K-1, Schedule A/B/C/D/E plus QBI, AMT, NIIT, and Form 2210 underpayment penalty. Use it as a planning tool — not as a substitute for a CPA on a complex return.
Yes. Trial is 14 days free, no card. Paid plan cancels in one click; we keep your data for 30 days in case you change your mind.
Yes. RSU vesting maps as one-time income; K-1 distributions can be modeled as recurring or one-time. Capital gains live in the tax tool.
Set a base amount and override any individual paycheck. Useful for 1099 contractors, freelancers, side gigs — anything irregular.
YNAB is rules. Mint is dashboards. SalaryIQ is forecasting + tax math + debt strategy. Different tool for a different problem.
Free for 14 days. No credit card. Cancel in one click.