Six pillars. One coach. Your whole financial life, connected.
Every part of your money touches every other part. Boss Finances teaches them together, then coaches you through the order that actually works for your situation.
Most apps pick one pillar and ignore the rest. Your money doesn't work that way.
Tell you what you spent. Miss that saving $50 matters less than moving a credit card balance.
Show you a score. Can't tell you which card to pay down first or how it affects your mortgage.
Teaches the whole system. Then coaches you through the order that actually works for you.
Know where every dollar goes — before payday hits.
Track what's happening, forecast what's coming, and stop the leaks before they become the problem.
- Auto-categorized transactions · Linked accounts sync nightly. Categories that adapt to how you actually spend, not generic buckets.
- Cash-flow forecast · See your next 30 days, account by account, before bills hit. No surprises, no overdrafts.
- Subscription leak detector · We surface every recurring charge — including the trials that quietly converted six months ago.
Understand your score. Watch it rise.
Daily tri-bureau monitoring, plain-English explanations, and a real plan — not vague tips.
- Tri-bureau daily monitoring · Equifax, Experian, TransUnion. Daily pulls. Alerts when anything moves.
- Score-impact simulator · See the projected swing before you pay down a card, open an account, or close one.
- Dispute education & templates · Spot a possible error on your report? We explain your FCRA rights and provide template letters you can send to the bureaus yourself.
Snowball or avalanche? We'll show the math.
Pick the method that fits your life — we automate the rest. No more negotiating with yourself every paycheck.
- Side-by-side method comparison · Snowball (smallest balance first) vs. avalanche (highest APR). Real numbers, your debts.
- Payoff date forecast · See your debt-free date update in real time as you make extra payments.
- Auto-allocation rules · Every paycheck, the snowflake amount goes to the right card automatically.
1 month. 3 months. 6 months. Done.
Realistic milestones, automated transfers, and savings buckets that actually correspond to your real life.
- Goal-based buckets · Emergency fund, holidays, car repair, vacation. Each one with its own date and target.
- Automated transfers · We pick the day and amount based on your real cash flow. You approve, we automate.
- High-yield account matching · We surface the best APY on the market for your situation — no affiliate noise.
Your real readiness score. What 'tight' looks like.
The programs you actually qualify for, the down payment math, and an honest answer to: should you even buy right now?
- Readiness score (0–100) · Credit, savings, DTI, employment history — one honest number. Updated monthly.
- Down-payment program matcher · FHA, VA, USDA, state DPA, first-gen programs. Curated to your eligibility.
- Real affordability calculator · Not 'what the bank will lend' — what 'tight' would actually feel like in your budget.
Wills, beneficiaries, retirement — in order, in plain English.
HSA, 401(k), Roth, 529, term life, beneficiaries, wills. The boring stuff that quietly compounds for the next generation.
- Account priority sequencer · 401(k) match → HSA → Roth → 529 → taxable. Tuned to your income, your debt, your goals.
- Beneficiaries audit · Most people set them once, never update. We surface every account, every beneficiary, every gap.
- Term life calculator · How much, for how long, at what cost. Plain math, not commission-driven advice.
The coach that ties all six pillars together.
Boss Money AI sees your linked accounts, your goals, and where you are in each pillar. It explains what's happening in your money and recommends the next move — in plain English, with compliance rails built in.
Pay under $500 before Nov 23 and most of the 18 points come back.
Under 10 minutes to your first insight.
The ones that come up before signup.
Your money skills, rebuilt from scratch.
Free tier forever. Core from $14.99/mo. 858 Founding seats left at $149 for life.
No credit card required · 90-day satisfaction guarantee on paid plans