Frequently asked questions

A learning app that helps you put your finances in order and move toward financial freedom step by step. You plan your budget, learn with short lessons, set goals and get guidance from an AI coach.

Yes. The free plan is a starting point: one income source, the current month, one goal, every lesson, the community and the calculators. Premium adds more AI messages, more income sources, recurring items, planning ahead, the AI Wealth Path, more goals, Savings Vaults, Budget History and households with teen accounts.

Take the Money Personality assessment, then plan your first month. Your Wealth Path stage appears once you close a month.

Yes. It works in your phone's browser and you can add it to your home screen. The Visual Planning board is the one tool that needs a computer screen.

Yes. The whole app works in English and Spanish, lessons included, and you can switch at any time.

You give every dollar of your income a job before the month starts, so income minus planned items equals zero. You plan first and spend second.

No, and that is on purpose: no bank sync to break, nothing to re-categorize. There is no transaction or CSV import. Entering your numbers and deciding yourself is how you learn and build the habit.

Change the income in your current month at any time. Your budget shows right away how much is left to assign or how much you are over, so you can move money between items until it is back to zero.

Enter the Actual amount for each item and mark it done. When every item is done, the month locks on its own and records your Budget Score.

Yes. A locked month can be unlocked if you need to correct something.

Only from your closed months. The stages are Snapshot, Budget, Debt, Emergency fund, Investing and Wealth, and your stage moves as your closed months show progress.

Your incomes are copied to the next month. With Premium, recurring items are copied too, so you only adjust what changes. On the free plan, next month opens in the last 5 days of the current month.

It explains, suggests and drafts. It knows your context in the app and links you to related lessons.

No. It never moves money, never manages your money and never changes your data on its own. Anything it drafts, like a Wealth Path, waits for you to confirm.

Free accounts get 10 messages a month and Premium gets 300. Messages renew on the 1st of each month, with a limit of 20 per hour.

Not before you are ready. While you are in the debt or emergency stage, it will not suggest aggressive investing, and it avoids shaming language.

Only if their parent turns on the AI help switch for their account.

Members share knowledge, stories and lessons learned so everyone can learn from each other. You can post with images, comment, react, follow members and join Spaces.

Only your username, avatar and a short bio. Your real name, email, finances, Journal and notes stay private.

No. Nothing from your budget is shared automatically. Posts are only the text and images you choose to write.

Every post is checked by a word list and AI moderation, and serious content is held for human review. Members can also report posts.

Reports are reviewed by our moderation team. A post with several reports is flagged and can be hidden from the community until it is reviewed.

Yes, with Premium. The Premium owner creates a household and invites their partner by email. You both plan in the same household budget, so you see the same numbers and the same plan, and your partner gets Premium from you at no extra cost. A free account can join a Premium household but cannot create one.

Yes, with a supervised account for ages 13 to 17. A parent who owns a Premium household creates the account and receives the login and a temporary password.

Teens get a Dashboard, My Money Plan, a Journal, Learning, Planning, Calculators and, if allowed, the teen community. They do not see Goals, the Wealth Path, the adult community or billing.

Yes. It is completely separate from the adult community.

You choose switches for community, AI help, advanced lessons and planning boards. All start off except approving posts first, which starts on.

You can convert the teen account to an adult account. You can also reset the password, pause the account or delete all of the teen's data.

$12 a month or $120 a year, which is two months free.

No. You can use the free plan for as long as you like and upgrade when you are ready.

There is no separate family price. Adults you invite to your household get Premium from you as the owner.

Teen accounts are neither free nor Premium. A teen account can only exist under a parent with Premium, who creates it in their household, and teens get their own supervised experience.

The budget, the Wealth Path stage, one goal, every lesson, the Journal up to 30 entries, the community, the calculators and 3 Visual Planning boards.

Go to Settings and choose to delete your account, then type your email to confirm. Your billing is cancelled first, and your files and data are deleted.

If you own a household with other members, deletion is blocked until those members are removed. A teen's account is deleted by their parent.

Account and security emails, household invites, shared notes, and the reminders you choose in Settings: Journal and note reminders and budget notices (a new month without a plan, a bill due today, the month ending soon, and the weekly check-in with Premium). The newsletter comes only if you join it. Other updates appear as notifications in the app.

Invites are sent by email and expire after 7 days.