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Improve your Wealth with Smarter Decisions
Scan to download, and sign up to start using the app
Life Transformational
Potential for significant Wealth Improvement
Potential for sizable Debt Interest Reduction
These improvements are based on personas derived from U.S. household data published by the government, and apply across all income deciles
Helps you plan, track and realize Wealth Targets & Life Goals
Makes managing your finances effortless & rewarding
Built by the Best Minds
Two Nobel Laureates
World-renowned academics
Reputed finance and tech executives
The backbone of our extensive functionality sets us apart from other apps
A comprehensive library of calculators capable of modeling various types of debt products, retirement plans, etc.
Application of a sophisticated ALM (Asset Liability Management) approach to consumer finance, an approach that has previously been limited in use to management of finances by global corporations and governments
THE DESTINATION
Improve your Wealth, Reduce your Debt
& Realize your Life Goals
Step 1: Forecasting
The app projects your wealth and cashflows over 30-years via precise modeling of your:
Income and Assets (salary, bank accounts, retirement plans, social security benefits, investments, etc.)
Expenses and Liabilities (living expenses, mortgages, credit cards, auto loans, student loans, etc.)
Step 2: Wealth Improvement
The app generates a set of Wealth Improvements to improve your wealth by facilitating smarter decisions to:
Use Surplus Funds
Switch Debt Products
Switch Investment Strategy
Use other Strategies to Fund Deficits and/or Payoff Existing Debt
Step 3: Life Goals
The app allows you to plan, track and realize your Life Goals:
Make informed decisions, like buying vs renting a house, by analyzing their impact on your wealth and on other goals like retirement
Map a concrete path to realize your goals
Take appropriate actions through time to achieve your goals on your target dates
Step 4: Budgeting
The app allows you to make informed lifestyle decisions. However, you're not required to cut spending to realize Wealth Improvements
The unique and powerful feature of our budgeting tool is the forward-looking approach which allows you to make informed spending decisions with complete foresight of their impact on your long-term wealth and Life Goals
Another unique and powerful feature is the de-coupling of Living Expenses and Debt Payments. You only need to budget for living expenses, the app calculates your debt payments for the next 30-years. This bifurcation offers multiple advantages vs. traditional budgeting
REACH YOUR DESTINATION
Step 5: Ongoing Navigation
You can create your Target Path by setting a series of Wealth Targets and other Life Goals
Your Target Path serves as your financial roadmap to plan your life in advance with complete foresight
The app generates informational navigation prompts derived from the calculations used to generate your Target Path
You can use the help of these navigation prompts to take appropriate actions through time to realize your Forecasted Wealth and Target Path; but in true GPS style, you retain complete control
Developed Solely to Empower you
We do not sell financial products, and we do not handle or manage your money
We do not receive any commission or introduction fees from lenders for Debt Switches
We do not charge any fee to facilitate the Investment Strategy
We simply charge a subscription fee for the optimal experience
A Unique Set Up Process
You can experience the app instantly,
without entering any data
The app is prepopulated with personas created from U.S. household data published by the government
All you need to do is to select a persona closest to you in terms of Net Monthly Income and home ownership status
Once you do, you can instantly use the app to see how it can help someone like you
Once you're convinced of its benefits, you can connect your accounts for precise results and the optimal ongoing experience
If you prefer to use the app for free, you can personalize the persona data and use the app with manual inputs for as long as you like
Unique Personalised Motion Interfaces
Motion UI allows you to scroll the road through time
You can select from a large range of themes
Sports
Matrix
